Whether you are looking to refinance to save on your monthly payments, or get pre-qualified to purchase dream home, we can help create a custom solution for you!
There are six distinct phases of the mortgage loan process: pre-approval, house shopping; mortgage application; loan processing; underwriting and closing. Understading each step will make you feel more comfortable about what to expect along the way
Home Buyers Guide
Buying a home is a huge accomplishment, but the housing market is competitive. That’s especially true when it comes to mid-priced, affordable houses. How do you get ahead in a hot market? The key is preparation. The sooner you prepare to buy a house, the easier it’ll be to beat the competition. We provided this step by step for your reference
These are factors to determine your pre-approval.
- Debt-to-income (DTI) ratio
- Loan-to-value (LTV) ratio
- Credit history
- FICO score
- Employment history
We Will Find the Right Mortgage For You
There are six main types of mortgages available: conventional, conforming, nonconforming, Federal Housing Administration-insured, U.S. Department of Veterans Affairs-insured, and U.S. Department of Agriculture-insured. Not all mortgage products are created equal. We are professional trained and will work with you to get you the right mortgage and the right lender, for the right price
Fixed-rate mortgage carries a constant interest rate from beginning to end. Fixed-rate mortgages are popular products for consumers who want to know how much they’ll pay every month
An adjustable-rate mortgage (ARM) is a home loan with a variable interest rate. With an ARM, the initial interest rate is fixed for a period of time. Then the interest rate resets at yearly or even monthly intervals
An Federal Housing Administration (FHA) loan is a type of government-backed mortgage loan. You may qualify for an FHA loan if you have debt or a lower credit score.
VA loans are for current and veteran service members, and eligible spouses. VA mortgages have competitive interest rates and usually require no down payment
United States Department of Agriculture (USDA) home loans are particularly favorable to those living in rural or low-income areas. USDA Loans offer $0 money down, and are guaranteed by USDA.
Home improvement projects are smart ways to breathe new life into your property and increase its return on investment (ROI). Apply for a renovation loan with the lowest rates can maximize your return on investment.
The maximum amount for a conforming loan is $647,200 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
Your home is an investment. You can use your home to leverage that investment through refinance: getting cash from your home, lowering your payment or shortening your loan term.