Mortgage
Mortgage Solutions
Mortgages can be intimidating, but they don’t need to be. We will walk you through all of the steps so that you’re completely comfortable and understand the financing options available to you. We will advise you and guide you to develop short-term and long-term strategies that accomplish your particular goals. We work with over 115 of the best lenders in the country, so we can help you get the best mortgage for your unique situation.
We also provide free Annual Mortgage Reviews to make sure you still have the best loan in the future. Changes to your income, equity and personal circumstances, along with changes in the market and interest rates, often provide opportunities to lower your monthly payments or to leverage your equity to build wealth.
As we develop your real estate and mortgage strategy, we will consider the following:
Your credit score
Which loan types do you qualify for from a credit standpoint?
Your anticipated down payment
Do you need a low- or no-down payment loan? What about down payment assistance? Will you be using gift funds from family or friends?
Your debt and income
After debt payments, is your monthly income sufficient to cover a mortgage?
Your appetite for risk
Do you need a stable monthly payment? Do you expect to earn more money in the future?
Your future plans
Do you plan to move in the short term? Do you want to pay off your mortgage sooner than 30 years?
Your future income
Do you expect your income to change in the long and short term?
Types of Mortgage Loans
Conventional loans
Best for borrowers with good credit scores
Jumbo loans
Best for borrowers with good credit looking to buy a more expensive home
Government-backed loans
Best for borrowers with lower credit scores and minimal cash for a down payment
Fixed-rate mortgages
Best for borrowers who’d prefer a predictable, set monthly payment for the duration of the loan
Adjustable-rate mortgages
Best for borrowers who aren’t planning to stay in the home for an extended period, prefer lower payments in the short term or are comfortable with possibly having to pay more in the future.
Refinance loans
There are 2 main types of refinance loans for your existing loan
Interest-only loans
With an interest-only loan, you make interest-only payments for a set period – usually five or seven years — followed by payments for both principal and interest.
Renovation loans
If you want to upgrade your existing home or purchase a home that needs renovation, you have options.
Non-qualifying loans
Non-qualifying mortgages or non-QM loans don’t meet certain standards set by the Consumer Financial Protection Bureau, so they offer more lenient credit and income requirements.
Construction loans
If you want to build a home, a construction loan might be a good choice.
Invester loans
We work with lenders that offer an extensive array of loan programs specifically for investors.
