We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.
Below are some of the most commonly utilized loan programs we offer...
FHA Loan Click to open answer
Ideal for clients where one or more of the following may apply
- First time home-buyer's
- A more lenient DTI ratio is needed
- Credit score is too low for conventional
- Mortgage insurance on conventional loan is too high
- Sometimes the rate is better with FHA
Property Cons
- Stricter Appraisal Reviews
- Condo's need to be FHA eligible
*These are generalizations -a mortgage is not a one size fits all and the advise given depends on a large variety of factors in combination with one another*
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Conventional Loan Click to open answer
Ideal for a client who may have one or more of the following:
- Has a higher credit score
- Has a larger down payment
- Has minimal "back end" debts
Property Pro's:
- Less strict appraisal review
- Better for condo's
*These are generalizations -a mortgage is not a one size fits all and the advise given depends on a large variety of factors in combination with one another*
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VA Loans Click to open answer
VA loans help make homeownership more attainable for veterans and military service members. These loans are federally insured and available with no down payment.* Plus, they don’t require private mortgage insurance.
*Closing costs and fees may still apply.
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FHA Loans Click to open answer
FHA loans come with low down payment options and lenient credit requirements. These federally insured loans are designed to help more people achieve their homeownership goals.
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USDA Loans Click to open answer
USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*
*Closing costs and fees may still apply.
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Jumbo Loans Click to open answer
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