Home Loan Programs
FHA Loans
FHA loans are great for first time home buyers. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Rates are typically lower than conventional. Those who typically benefit most by an FHA loan are first-time home buyers and those with less than 20% down and less than perfect credit, but it is subjective to the buyers' situation and may vary.
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans require a larger down payment and a higher credit score. If you are putting over 20% down and your credit score is above 680, this will
USDA Loans (aka RD)
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA. The benefit to this program is 100% financing and very low monthly mortgage insurance. There are income limits. It is best to contact me if you are considering a USDA (RD) loan.
VA Loans
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and available to eligible service members, veterans, and surviving spouses. If you qualify, this is hands down the best loan program available. You can purchase a home with zero down payment, the seller can cover all of your closing costs, and there's no monthly mortgage insurance required.
I specialize in VA loans and have a strong track record of closing them successfully. Even if you or someone you know is a veteran who has been declined by another lender, I encourage you to reach out. My many years of experience in mortgage lending has helped countless veterans secure approval after being turned down elsewhere. I know how to navigate challenging situations and get deals to the closing table. If you know any veterans who need a loan have them come to me first.
Social Media
State Licenses
OK# MLO25531
Interactive calculators are self-help tools. All examples are hypothetical and are for illustrative purposes only.
