Premier Mortgage Lender, specializing in Home loans and mortgage refinance since 1987. If you have been turned down for home loan or mortgage refinance by another lender, give us 10 minutes, We say YES when others say NO. We are a government approved lender that specializes in FHA and VA loan products.
Don't let a bank or another lender convince you that you must put 5%, 10%, or 20% down. It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate.
Don't let a bank or another lender convince you that you must put 5%, 10%, or 20% down. It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate.
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What’s FHA/VA
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An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Prequal
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Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow? When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
Gift
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For many buyers, especially first-time buyers, saving up the funds for the down payment can be a seemingly insurmountable hurdle to home ownership. This doesn't have to be the case. As your preferred mortgage company in Corpus Christi Tx, I can help you find creative ways to come up with your down payment.
Fixed
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With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan. Your property taxes may go up (we almost said down, too!), and so might your homeowner's insurance premium part of your monthly payment, but generally with a fixed-rate loan your payment will be very stable.
Closing Costs
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Should you consider financing closing costs, escrow reserves, or other cash needed at closing? If you've built up some equity in your home, when you refinance, you may be able to "cash out" some of that equity to pay off credit cards or other revolving debt, improve your home, help pay for college, or anything else you can think of.
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