Let me help you ensure that you are getting the very best mortgage product at the very best rate. Whether you are looking for your first or second mortgage, I can help you get competitive rates for a mortgage specially designed for your unique situation.
FHA loans are mortgages insured by the Federal Housing Administration (FHA). Popular among first time home buyers, these loans were created to help stimulate the housing market by making loans accessible and affordable for people with less than perfect credit or a low down payment.FHA loans allow down payments of 3.5% for credit scores of 580+.
Guaranteed by the U.S. Department of Veterans Affairs, VA loans allow Veterans and surviving spouses to finance up to 100% of their new home’s value, or refinance with no money down, no appraisal fee, and no private mortgage insurance premium (PMI). Closing costs can even be combined into the loan amount. Refinance with minimal paperwork in as little as 21 days even if you have less than perfect credit.
With a USDA Rural Development Home Loan, qualified borrowers can purchase or refinance a designated U.S. Department of Agriculture rural property up to 100% loan-to-value with a 30 year fixed rate mortgage. These loans are not limited to first time homebuyers, and no down payment is required. Flexible credit guidelines apply.