Mortgage Financing Programs
1st Time Buyer Programs
1st Time Buyer Programs
1st Time Buyer Programs
First-Time Homebuyer Mortgage Programs provides qualified first-time homebuyers with a competitive 30-year, fixed-rate mortgage loan. A good first step for any first-time homebuyer is to talk with a professional mortgage consultant to see what options are available and what you can afford.
Purchase
1st Time Buyer Programs
1st Time Buyer Programs
Purchasing a home is probably the largest financial transaction you will make in your life. Whether you are in the market to buy your first home, moving to a new home, or even looking for a vacation or investment property, I have a product that will meet your specific goals and needs.
Refinance
1st Time Buyer Programs
Conventional Financing
Looking to reduce monthly mortgage payments, get a lower interest rate, cash-out home equity, or even switch to a fixed-rate loan? Consider refinancing your home loan.
However, before you decide to refinance it’s important to understand and to evaluate the pros and cons for your individual situation.
Conventional Financing
Conventional Financing
Conventional Financing
A conventional loan is a type of mortgage that is not part of a specific government program. Conventional Loans are products that typically conform to Fannie Mae and Freddie Mac’s underwriting requirements and loan limits. Of course there are non-conventional loans such as Jumbo loans, Reduced Documentation, etc.
FHA Financing
Conventional Financing
FHA Financing
FHA loans allow qualified borrowers to purchase a home with a down payment of as little as 3.5% of the purchase price. There are several types of FHA loans including fixed loans and adjustable-rate mortgages (ARMs). In addition, FHA offers a home renovation program if the home you are purchasing needs some additional work to make it just the way you want it!
VA Financing
Conventional Financing
FHA Financing
Veterans Affairs mortgages, better known as VA loans, make it easier for veterans to get financing to buy a home. VA loans do not always require a down payment and are available to military veterans and active military members. These home loans are made through private lenders and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance.
Additional Programs
Construction & Investor Loans
Construction and rehabilitation loans help consumers & short term real estate investors finance the purchase and renovation of a property before flipping it for a profit or converting to a fixed rate product. I offer several options for construction & fix and flip loans that can finance properties in distressed conditions.
Bridge Loans
Also called a "wrap" or "gap financing," bridge loans are a lifeline for home owners who are eager to purchase new digs before they've sold the home they're currently in. In such scenarios, unless you've got wads of cash, it can be hard to qualify for a loan on that new home while you are still saddled with the mortgage on your first—for many people, that means stretching their finances awfully thin.
Home Equity Lines & Loans
A home equity loan and home equity line of credit (HELOC) are alike in that both are secured by your home, just like the first mortgage you obtained to buy your place. That’s why these loans are commonly referred to as “second mortgages.”
Both loans are usually for shorter terms than first mortgages. Home equity loans and HELOCs are paid off within five to 20 years, while 30 years is typical of a first mortgage.
Home equity loans come with fixed rates while HELOCs are adjustable-rate loans.
Commercial Financing
A commercial loan is a type of debt financing that business owners use to cover operational costs, supply working capital, or pay for other business expenses. Both banks and private lenders make commercial loans, and there are several types, ranging from traditional term loans to SBA loans to online loans. Each has different eligibility requirements, interest rates, and repayment terms.
USDA Finacning
Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburban homebuyers in the United States. USDA loans are issued by qualified lenders and guaranteed by the U.S. Department of Agriculture (USDA).
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