Your certified guide to THE
Home buying experience
Loan Types
Conventional Loans
Ideal for experienced home buyers
As low as 3% down
Lower Total Costs
Cancellable Mortgage Insurance
Greater Property Flexibility
Higher Loan Limits
Seller Preference
VA/FHA Loans
Ideal for first time home buyers or veterans/active duty
As low as 0% (VA) down or 3.5% (FHA) down
Backed by the Federal Government Loans
Very little down payment required
Lower Interest rates
No monthly mortgage insurance on VA loans
Lower Credit score acceptable
Funding Fee waived for service-connected disability (VA Loans)
Gift Fund Flexibility
HELOC/Refinance
Fast access to the equity in your home
Fixed Rate Stability
Lower Rates
Cash out all or some of your equity
HELOC - borrow what you need
HELOC - Interest only option
HELOC - Lower closing costs
DSCR
Investors looking to cash out or refinance and keep their property cashflowing
No Personal Income Verification
Faster/Simpler Closing
Scale your Portfolio
Great For Self-Employed or Cash Heavy Investors
Buy under an LLC
What should I do before buying
Next Steps
GET PRE-QUALIFIED (TO UNDERSTAND RATES/PRICES/PRICE RANGE SUITED FOR YOU)
UNDERSTAND HOW MUCH TO EXPECT IN CLOSING COSTS
UNDERSTAND YOUR CREDIT REPORT
LOAN TO VALUE/DEBT TO INCOME RATIO
GET PRE-APPROVED
THINGS TO KEEP IN MIND
DO NOT OPEN ANY NEW LINES OF CREDIT DURING THE HOME BUYING PROCESS
YOUR HOME SHOULD BE FIT FOR YOU