SJD Mortgage Services

First an foremost, thank you for choosing SJD Mortgage Services for all of your home loan mortgage needs! We are very excited and ready to help with your home mortgage needs. Buying a home can be one of the most exciting times of your life, and the process of getting a mortgage loan should be fast and easy.

There are many loan options and I work with each customer to determine their best fit. With SJD Mortgage Services, I bring over a dozen years of home finance and purchase experience to every customer that I am honored to serve. We are proud to now offer financing and refinancing home loan services to Wisconsin.

What does it take to be eligible to apply for an Minnesota FHA home loan? FHA requirements includes details about income, credit rating and other factors, but before a loan officer looks at any of that information, an applicant has to meet the basics.

According to the official site at HUD.gov, applicants must "have a valid social security number and have lawful residency in the United States and be of a legal age to sign on a mortgage in Minnesota."Those basic FHA requirements apply to the applicant and any co-applicants listed on a loan application.

What is a Conventional Home Loan? A Conventional home loan is not guaranteed or insured by the federal government. A conventional loan refers to a mortgage that follows the guidelines of government sponsored enterprises (GSEs) such as Fannie Mae or Freddie Mac. Conventional home loans can be classified as conforming or non-conforming.

Eligibility You must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Service-members and Veterans, spouses, and other eligible beneficiaries.