Conventional Loans

About Conventional Loans

A conventional fixed-rate mortgage is one of the most popular types of home loans, particularly for individuals seeking stability in their mortgage payments. This mortgage has an interest rate that remains constant for the entire term of the loan, meaning your monthly principal and interest payments stay the same. A fixed-rate mortgage can be a solid choice if you plan to own your home for many years; you prefer the predictability of fixed payments over time; or if you lock in a low rate during a period of low interest rates.

We are committed to simplifying the process for you, offering both the tools and expertise necessary to help you navigate your home-buying journey, starting with our Fixed-Rate Mortgage Qualifier. With this resource, you can understand how much you might be able to borrow and what your payments could look like, setting the stage for a secure financial future.

Home Equity Loans

About Home Equity Loan Options

A Home Equity Loan, also known as an equity loan, second mortgage, or "fixed-rate equity loan," allows homeowners to borrow money by leveraging the equity in their home. The loan amount is based on the difference between the homeowner's equity and the home's current market value. Typically, this type of loan provides a lump-sum payment to the borrower at a fixed interest rate, which means the monthly payments remain the same for the entire term of the loan. Home equity loans are ideal for those who need access to a sizable amount of money for large, one-time expenses like home renovations, medical bills, or consolidating high-interest debt.

We are dedicated to simplifying the home equity loan process for you by providing the necessary tools and expertise. Our Home Equity Loan Qualifier is the perfect starting point, offering a clear understanding of how much you may be able to borrow against the equity in your home and what your payment plan could look like. With our support, you can tap into your home's equity with confidence, ensuring you make informed decisions that align with your financial goals.

FHA Mortgage Loans

About FHA Home Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage

payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and

affordable.

We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.

VA Mortgage Loans

About VA Home Loans

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

We’re here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.

Self-Employed Borrowers

About Mortgage Options for Self-Employed Borrowers

Self-employed individuals often face unique challenges when obtaining a mortgage, due to non-traditional income streams and tax write-offs that can affect the way lenders evaluate their income. Nevertheless, there are mortgage options tailored to self-employed borrowers that consider the entrepreneurial nature of their income. These loans may require more extensive documentation, such as tax returns, profit and loss statements, and bank statements to verify income stability and the viability of the borrower’s business.

We recognize the importance of providing expert guidance and tools to self-employed individuals looking to navigate the mortgage process. Starting with our Self-Employed Borrower Qualifier, we offer resources specifically designed to assess your unique financial situation. This tool aims to simplify the loan application process by clarifying the types of documents you will need and providing insight into the loan options that may be available to you. With our support, self-employed borrowers can better understand how to secure a mortgage that aligns with their financial and homeownership goals.

Real Estate Investors

About Mortgage Options for Real Estate Investors

Real estate investors often require specialized mortgage products that cater to the investment-driven nature of their property purchases. Unlike primary residence buyers, investors look for loans that provide flexibility and favorable terms that align with their investment strategies, whether for short-term gains or long-term income. Options such as investment property loans typically come with different approval requirements, interest rates, and down payment conditions, considering the higher risk associated with rental or flip properties.

To aid real estate investors in securing appropriate financing, we offer tools and expertise, starting with our Real Estate Investor Loan Qualifier. This tool helps investors understand the range of mortgage products available to them, including interest-only loans, fix-and-flip loans, and more traditional long-term rental property loans. By assessing your investment goals, financial health, and the projected income from the property, we provide targeted advice to facilitate the best possible loan terms for your situation. With our support, real estate investors can navigate the mortgage landscape with confidence and acquire properties that complement their investment portfolio and financial objectives.

Buyers With Blemished Credit Histories

About Mortgage Options for Buyers With Blemished Credit Histories

Buyers with blemished credit histories may believe that owning a home is out of reach, but there are mortgage options specifically designed for individuals with less-than-perfect credit. These loans, often referred to as subprime mortgages or non-qualified (non-QM) loans, provide an opportunity to those who have faced financial difficulties, such as late payments, foreclosures, or bankruptcies, which have negatively impacted their credit scores.

We recognize the importance of access to homeownership, regardless of past credit challenges. Our Blemished Credit Mortgage Qualifier is a dedicated resource for potential buyers with credit issues. This tool offers a preliminary assessment of what kind of loan terms one might expect and what steps can be taken to improve the chances of loan approval. We provide guidance on how to address credit issues, what documentation will be necessary, and how to construct a strong case for underwriting. With our specialized support, buyers with blemished credit histories can explore pathways to homeownership that were previously thought to be closed, enabling them to work towards securing a loan that is manageable and sustainable.

Down Payment Assistance

About Mortgage Options for Down Payment Assistance

Saving for a down payment is often the biggest obstacle for homebuyers. Down Payment Assistance (DPA) programs help by providing financial aid that can be used toward the down payment and, in some cases, closing costs. These programs make it easier for buyers to secure a home without needing years of savings.

DPA comes in various forms, including grants, forgivable loans, and low-interest loans. Some programs require repayment, while others do not, depending on eligibility and terms. By reducing upfront costs, these programs make homeownership more affordable and accessible.

For many buyers, DPA can mean the difference between waiting to buy and moving into a home sooner. With the right assistance, homeownership becomes a reality, allowing buyers to build equity and invest in their future.