Loan Options For You!
Buy Your Dream Home With Little Money Down With An FHA Loan!
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. The FHA program was created in response to the rash of foreclosures and defaults that happened in the 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
THE FHA LOAN PROCESS
Here’s how our home loan process works:
-
Receive options based on your unique criteria and scenario
-
Compare mortgage interest rates and terms
-
Choose the offer that best fits your needs
Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan a down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or are unable to receive approval for private mortgage insurance may consider an FHA loan.
OR
Get More Buying Power With A Jumbo Loan!
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2021, the limit is $548,250 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $822,373. Rates may be a bit higher on jumbo loans because lenders generally have a higher risk.
THE JUMBO LOAN PROCESS
Here’s how our home loan process works:
-
Complete our simple Online application or Schedule a Call
-
Receive options based on your unique criteria and scenario
-
Compare mortgage interest rates and terms
-
Choose the offer that best fits your needs
There are many benefits to jumbo loans. One of the biggest benefits is that financing options are available up to $3,000,000. This may provide convenience to many borrowers.
OR
Buy The Home You Deserve With VA Financing!
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
THE VA LOAN PROCESS
Here’s how our home loan process works:
-
Complete our simple Online application or Schedule a Call
-
Receive options based on your unique criteria and scenario
-
Compare mortgage interest rates and terms
-
Choose the offer that best fits your needs
If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These often require no down payment and have lower closing costs, which can help keep your savings secure.
OR
Turn A Less Than Perfect Home Into Your Dream Home With A FHA 203K Loan!
An FHA 203K loan is a loan backed by the federal government and given to buyers who want to renovate a home. An FHA 203K loan allows the borrower to finance the home, plus provides financing to do the necessary renovations to the home.
THE 203K LOAN PROCESS
Here’s how our home loan process works:
-
Complete our simple Online application or Schedule a Call
-
Receive options based on your unique criteria and scenario
-
Compare mortgage interest rates and terms
-
Choose the offer that best fits your needs
The main benefit of these loans is that they give you the ability to buy a home in need of repairs that you might not otherwise have been able to afford to buy. Plus, the down payment requirements are minimal, and often you may be able to receive a favorable interest rate.
OR
Buy A Home Outside The City Limits With USDA!
The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. There are several benefits of a USDA loan,including flexible credit underwriting requirements and no down payment required.
The USDA Loan Process
Here’s how our home loan process works:
-
Complete our simple Online application or Schedule a Call
-
Receive options based on your unique criteria and scenario
-
Compare mortgage interest rates and terms
-
Choose the offer that best fits your needs
There are many benefits of a USDA home loan. One of the biggest benefits is that no down payment is required.* Borrowers who qualify for a USDA home loan have the flexibility to pay nothing out of pocket for a down payment.