I offer a broad selection of of home financing products for you to choose from. Together, we will determine what works best for your and your budget to get you into your new home!
Find The Right Home Loan For Your Needs
Our Home Loans
Conventional Mortgage
With a fixed rate mortgage, your interest rate and payments will be consistent throughout the duration of your loan. You may also benefit from refinancing later if market rates decrease. Fixed rate mortgages are available in a variety of term lengths ranging from 10 years to 30 years.
FHA Home Loans
An FHA home loan is a government-backed mortgage program offered by a participating lender that gives you financial flexibility when buying a home, such as a low down payment and other benefits. These mortgages benefit first-time homebuyers in that you can have a non-occupant, like a parent or relative, be a co-applicant on the loan with you. Your down payment can be as low as 3.5% of the purchase price.
VA Mortgage
VA mortgage loans are one way our country recognizes Veterans, Active-Duty Military, and other eligible individuals for their service to our nation. These loans offer a broad range of benefits that I am proud to provide to our Military community. There’s no first-time homebuyer requirement for a VA mortgage loan, and the VA benefit is reusable. The loan typically doesn't require a down payment, making it easier for eligible borrowers to get the home they want or the refinance they’d like.
Other Home Loan Products
I offer a wide variety of home loan products including construction loans, renovation loans, USDA home loans, manufactured home loans, bridge loans and home refinancing loans. Whatever your home goals are, I will provide you all of the information necessary to make the best decision for you and your family.
A pre-approval will help us determine your ideal price range. This process is usually quite fast, and many homebuyers receive a preapproval letter in a matter of days.
You’ll need to submit an application and provide details such as:
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Your household income
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Your savings
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Your existing debt (e.g., credit cards or student loans)
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Your personal credit score
Your mortgage preapproval letter will only be valid for 30 to 90 days. Other things can alter the terms of your initial approval, including:
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Major changes in your income or debts
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Changing jobs
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Altering your investments
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Depleting your savings
THE MORTGAGE PROCESS
DO
• Get pre-approved so you can make a strong offer
• Be thorough and honest on your application
• Continue to pay your rent or mortgage, loans and credit cards on time
• Keep your current job and income, and contact us right away if either one changes
• Have your important documents handy (especially your W-2s, tax returns, and pay stubs)
• Make any major purchases (furniture, cars, boats, those sorts of things)
• Apply for new credit accounts, close existing accounts, or co-sign loans for others
• Make large cash deposits into your bank account other than your paycheck
• Spend your down payment or closing cost money
• Plan a vacation during your loan process