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A Simple Definition Of A Mortgage

A simple definition of a mortgage is a type of loan you can use to buy or refinancea home. Mortgages are also referred to as “mortgage loans.” Mortgages are a way to buy a home without having all the cash upfront.
 

What’s The Difference Between A Loan And A Mortgage?

 
Mortgages are types of loans that are secured with real estate or personal property. A loan is a relationship between a lender and borrower. … Mortgages are secured loans that are specifically tied to real estate property, such as land or a house.

Your Mortgage Specialists

New Home Purchase

Move into the home of you dreams

Get Approved

Shop For Your Home And Make An Offer

Get Final Approval

How does The Mortgage Process works

Get Approved

It’s a good idea to get an initial approval from your mortgage lender before you start looking for homes. Getting approved upfront can tell you exactly how much you’ll qualify for so you don’t waste time shopping for homes outside your budget.

Shop For Your Home And Make An Offer

Now, the fun part begins! connect with a real estate agent to start seeing homes in your area and can help you find the right home, negotiate the price and handle all the paperwork and details.

Get Final Approval

Once your offer’s been accepted, there’s a bit more work to be done to finalize the sale and your financing. At this point, your lender will verify all the details of the mortgage – including your income, employment, and assets – if those details weren’t verified upfront. They’ll also need to verify the property details.

Close On Your Loan

Once your loan is fully approved, you’ll meet with your lender and the real estate professional to close your loan and take ownership of the home.

Loan Types

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FHA Loans are a popular choice because they have low down payment and credit score requirements. You can get an FHA loan with a down payment as low as 3.5% and a credit score of just 580.

A conventional mortgage or conventional loan is a home buyer's loan that is not offered or secured by a government entity. It is available through or guaranteed by a private lender or the two government-sponsored enterprises—Fannie Mae and Freddie Mac

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USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don't have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations.

Unlike other loan programs, a VA loan doesn't require a down payment or mortgage insurance — and it's easier to qualify for than other home loan programs. VA loans can also be extremely flexible. You can use a VA loan to buy more than one house, cash out all of the equity in your home, or even finance renovations.

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