Home Loans Options
No matter what your financial situation, we have a wide of range products tailored to your specifics need to get you in to your dream home!
Conventional loans typical require a 680 credit score and 20% down but we have conventional loan programs where you can put as low as 3% down and go down to as low as 620 credit score.
A Jumbo loan is a mortgage used to finance properties that that is above the conventional conforming loan. The conforming loan limit is $647,200 in most couties as of 2022.
Bank statement loans are a type of loan that allows you to get a mortgage without the documents that most loans need to prove your income.
FHA loans are usually easier to qualify for, with a minimum credit score of 580 to be eligible to make a 3.5% down payment. If your credit score is 500 to 579, you may qualify for an FHA loan with a 10% down payment.
We have a variety of investment loans from beginner to experienced Real Estate investor. Our investment loan products comes with little hassle and we provide you with resources to to grow your portfolio.
VA Loans require no down payment and are exclusively for Veterans and their spouses. VA have no PMI and require only 620 credit score. VA loans are backed, or guaranteed, by the Department of Veterans Affairs.
The Home Loan Process
1. Apply in just 15 minutes.
Fill out one simple application.
Once you complete the mortgage loan application, one of our senior loan officers will go over loan options with you and can issue you a pre-approval letter within a couple hours of application.
Home Search Begin
With your pre-approval letter, your ready to find your next dream home. We will work with your realtor to help you get the best scenarios on a potential home.
Once your Realtor gets you under contract, our team will work diligently to get you to the closing table as quickly as possible.
Because We Get The Job Done!
What Our Home Owners Have To Say
Our Lending Partners
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-approval is an essential tool when house shopping, because it…
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
A fixed rate loan offers a fixed term (for example, 15 or 30 years) as well as a fixed interest rate, so the monthly amount for the payment of principal and interest will not change during the term of the mortgage. However, your monthly mortgage payment may also include interest, taxes and insurance. While your principal and interest amounts will not change, the amount needed for taxes and insurance may.
PMI or Private Mortgage Insurance is provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults. It can make a big difference in how quickly your mortgage loan is approved and how much money you spend on a down payment. It is required if the loan amount is more than 80% of the home’s value.
Our goal is to have your loan ready for closing as soon as possible! Generally the items that take the longest to receive are things such as the appraisal and the title work and the conditions that you need to provide us with. We’ll want to get the appraisal and title work ordered as soon as possible to avoid any delays. If you are purchasing a new home, we’ll do our best to meet the date you and the seller have agreed upon.