If you are looking to buy a home, chances are you are looking into financing it as well. You have probably also realized that you have many options as to which program you may want to use. With so many options you will need the help of a Loan Officer to advise you which program is the best fit for you. Click the button below to get pre-approved in minutes and a Loan officer will contact you Live.
Here's what you need to get started.
The minimum credit score is 620
At least a 2 year work history is required, this is standard for any loan program. The 2 years do not have to be with the same company it is okay if you switched jobs as long as you have 2 years of employment.
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Check out some of the Loan Options we offer.
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Not necessarily, when purchasing a new home, the seller can pay for all or part of your closing. Contact us to help you with this.
You can have as many as you like, however, you can only have 10 financed properties. If you are looking into investing in real estate contact us for more information.
Conventional loans have a higher credit score requirement than an FHA loan. The guidelines are stricter for conventional loans, however, the mortgage insurance falls off after you reach 20% equity of the home or if your down payment is 20% of the sales price.
VA loans are only available for people who are military service members or a qualifying surviving spouse.
For a VA loan you do not have to put a down payment but you cannot use this type of loan for a Second home and you do have to pay a funding fee that goes towards to the VA department, some people may qualify to get this fee waived. Contact us for more information.
These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency.