Owning a home is the American Dream.
Owning a home is the American Dream.
Purchasing real estate is a great way to create wealth and pass it on to your family. It is a great way to build a nest egg for college or retirement and to protect against life’s setbacks.
- How much money have you saved towards the purchase of a house?
- Check your credit: Even if you have blemishes on your credit, you can qualify for a loan. Your loan officer can educate you on the factors involved.
- Determine your down payment: Requirements vary depending on the type of loan, loan amount, and available down payment assistance programs.
- Save for closing costs: They include but are not limited to, title policy insurance, mortgage insurance, fire/flood/homeowners insurance, recording fees, and loan origination fees.
“Get your no points and no processing cost mortgage loan.”
- FHA Loan
FHA loan is perfect for the buyer that wants to put less money down. Purchase your house with as little as 3.5% down! - 30-Year Loan
A 30-year loan is the most secure loan program. Lock in a low payment and be confident knowing that your rate will not change. - VA Loan
VA loan is for veterans and military members. Those who qualify for this loan can purchase with no down payment and no mortgage insurance. Qualify for your VA loan today! - If you are not sure which loan program is right for you, one of our loan specialists will help you choose the right loan. Cs consumer services will get you pre-qualified and find you the loan that best meets your needs. Find out how you can get pre-qualified today!
Get a free credit assessment that includes your credit score and qualify you for the purchase of a home.
Get your qualified letter and have leverage when you place an offer on a home.
- For first-time home buyers, and even if you have purchased a home before, we realize that you may have the income to pay the mortgage, however, having enough savings for the down payment is a struggle.
- An FHA 3.5 % down or Conventional 3% down is an ideal mortgage loan.
- If you are purchasing a home, and the sale price is $287,000.00, you would only need to place a $10, 045.00 down payment, and the seller can pay the closing.
- The other option is a Convectional loan that only requires 3% of the purchase price for the down payment.
- If you are purchasing the same home, and the sale price is $287,000.00, you would only need to place an $8, 610.00 down payment, and a third party can pay some of the closing costs.
- There is a difference in the FHA and Conventional loan credit score limit, FHA has a limit of 500 and Conventional has a limit of 620.