Loan Programs
Which Mortgage is Right for You?
With an application and credit report, I can present the best priced options for your file in a video specific to you. If you have good to great credit scores, then I will most likely recommend a conventional loan. The total amount of money you plan to spend out-of-pocket for this transaction will help me determine the flavor of conventional loan we will use. My recommendations are normally dictated by the best pricing and guidelines of the product. I normally have at least one source of down payment assistance that can keep your out-of-pocket costs to as little as $1,000 but it is best to plan for at least $2,000.
If your credit scores are lower, then we might also look at other programs like FHA or recommend methods of improving your scores.
If you are looking in small towns, then sometimes the USDA program is best. If you have Veteran benefits, then I will figure out if the VA or a conventional has the best pricing for you.
JUMBO & ALT A & Non-QM; Broker Channel & Investors: If you are self-employed or have unique scenarios or need a larger loan; there are options for you as well.
There are MANY different types of home loans and down payment assistance available to most applicants. Learn the basic options if you wish, but it is much easier to just apply and then look at my recommendations and make your choice.
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