Loan Options

Hey there, friend! Are you feeling a little lost in the world of mortgages? Don't worry, we've got your back. Let's talk about what a mortgage broker is and how they can save you time, money, and stress.

So, imagine you're on the hunt for your dream home. You've got the perfect Pinterest board full of inspiration, you're following every real estate agent on Instagram, and you're ready to hit the open houses. But when it comes to the finances, things can get a little overwhelming, right? That's where a mortgage broker comes in to save the day.

Think of a mortgage broker as your own personal financial guide. They're like a matchmaker between you, the buyer, and the lenders out there. They have connections with multiple lenders and can shop around to find you the best loan products and interest rates, tailored to your specific needs. It's like having a real estate guru as your wingman.

Here's the best part: a mortgage broker does all the hard work for you. Instead of going to multiple banks and getting lost in a sea of paperwork, they'll do the heavy lifting on your behalf. They'll explain all the jargon and help you make sense of all that legal mumbo-jumbo. And because they have connections with so many lenders, they can save you time and money by finding the best deal available.

But wait, there's more! Unlike some other folks in the lending world, mortgage brokers have your best interests at heart. They have a fiduciary obligation to help you consider all the options available and make the best decision for your financial future. They'll guide you through the whole process and answer any questions you have. It's like having a friend who's also a financial whiz.

So, whether you're a first-time homebuyer or a seasoned homeowner looking to refinance, a mortgage broker is the secret weapon you need to make the home buying process easier, faster, and less stressful. We hope this explanation helped clear things up. And remember, we're here for you if you have any other questions or concerns!

Conventional

As little as 3% down payment for first time home buyers (haven’t had ownership interest in a property in the past 3 years), as little as 5% down payment for everyone else.

FHA

As little as 3.5% down payment with a wide range of credit scores accepted.

USDA/Rural Development

If not so urban life is your thing then USDA is worth a look. Plus as little as 0% down payment.

VA

We can find out very quickly with your DD-214 if you qualify for a VA loan. As little as 0% down payment.