Any Questions?

USDA and VA loans require zero down payment. FHA loans are the main option for home buyers with not so good credit and we have down payment assistance programs that could allow you to buy a home with with little or no money down.

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get. Typically if borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance.

It depends on the reason you filed bankruptcy, how you’ve handled your finances since then, and what mortgage program you choose. Each loan type has its own waiting period guideline after a bankruptcy. Waiting periods for a mortgage after bankruptcy are as follows:

  • FHA loans: 2 years.
  • VA home loans: 2 years.
  • Conforming (Fannie Mae or Freddie Mac) mortgages: 4 years.
  • USDA home loans: 3 years

Renovation Loans are a single mortgage loan that includes the cost of renovating or repairing your home after the loan closes. The time in which the renovations are to be completed and the amount of renovations that can be done depends on the type of renovation loan, (Conventional, 203k or VA). The loan amount depends on the appraised Value and your renovation plans

Once you have decided you want to start looking to purchase a home it is a great idea to start your application process and get pre-approved. This is a great so when you submit an offer the seller knows you have already been preapproved and the process will go more smoothly. You will also have an idea of how much you can qualify for before starting your home search. If you have already found a home you would like to purchase the process is the same when filling out an application. We have an online application, mobile application, over the phone or we can meet in person.

*pre-approval is not a commitment to lend

The Interest Rate is the cost of borrowing the principal loan amount. An APR is a broader measure of the cost of a mortgage because it includes the interest rate plus other costs such as broker fees, discount points and some closing costs, expressed as a percentage.

Monthly payments include principal, interest, homeowners insurance and property taxes.

Depending on your unique situation, here are seven documents you might need when applying for a home loan:

  • 2 years Tax returns
  • 2 years W-2s or other proof of income
  • Most recent Pay stubs
  • Most recent Bank statements and other assets
  • Credit history
  • Photo ID
  • Renting history or current Mortgage statement

In terms of securing a mortgage offer, there’s no hard and fast rule over the time it takes, but most of us can expect to wait around a month (between 18-40 days) from application to mortgage offer – provided the process goes smoothly and your application is relatively straight forward.

Any Questions?

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Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore.

Renovation Loans is a single mortgage loan that includes the cost of renovating or repairing your home after the loan closes. The time in which the renovations are to be completed and the amount of renovations that can be done depends on the type of renovation loan, (Conventional, 203k or VA). The loan amount depends on the appraised Value and your renovation plans

Once you have decided you want to start looking to purchase a home it is a great idea to start your application process and get pre-approved. This is a great so when you submit an offer the seller knows you have already been preapproved and the process will go more smoothly. You will also have an idea of how much you can qualify for before starting your home search. If you have already found a home you would like to purchase the process is the same when filling out an application. We have an online application, mobile application, over the phone or we can meet in person.

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore.

Once you have decided you want to start looking to purchase a home it is a great idea to start your application process and get pre-approved. This is a great so when you submit an offer the seller knows you have already been preapproved and the process will go more smoothly. You will also have an idea of how much you can qualify for before starting your home search. If you have already found a home you would like to purchase the process is the same when filling out an application. We have an online application, mobile application, over the phone or we can meet in person.

*pre-approval is not a commitment to lend

The interest rate is the cost of borrowing the principal loan amount. An APR is a broader measure of the cost of a mortgage because it includes the interest rate plus other costs such as broker fees, discount points and some closing costs, expressed as a percentage.

Lorem ipsum dolor sit amet consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna.

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