Purchase & Refinance

Mortgage Rates depend on many factors so we won’t waste your time with teaser rates.  Call now to speak with one of our experienced mortgage professionals who can help you get the right solution for your needs

 

Mortgage Do’s and Don’ts:

  • Determine your ideal down payment

  • Keep money in your account, not under your mattress

  • Talk to your Loan Officer before you move money

  • A gift from a family member is acceptable, but discuss with your Loan Officer for documentation requirement

  • Refrain from starting a new loan or line of credit and from making any large credit purchases.

COnventional

  • Minimum 3-5% down payment

  • Standard loan approval process

  • Gifts may be allowed

FHA

  • Minimum 3.5% down payment

  • Lower interest rates

  • Gifts allowed

VA

  • 100% financing - no down payment

  • No monthly mortgage insurance

  • Eligibility based on VA status

USDA/Rural Housing

  • 100% financing - no down payment

  • geographical limitations