Home Purchase

Looking to Buy a Home? We Have the Right Mortgage for You.

If you have good or excellent credit, there’s a possibility you may qualify for different types of mortgages. Whether you plan to buy your first home, upgrade to a bigger house, or purchase one as an investment, you may count on our team to provide solutions based on your specific requirements. We offer:

Programs for first-time home buyers ¹
USDA and VA loans with 0% down payment*
Conventional loans with 3% down payment**
Refinance, 203k/Renovation Loans, New Construction, Non-QM and so much more!!

¹Eligibility requirements apply to VA home loans. Applicants must meet credit and income standards, and have a valid Certificate of Eligibility (COE). The subject property must be intended for applicants’ personal occupancy. Applicants must have been discharged under conditions other than dishonorable and meet certain service requirements which we will carefully review with the applicant. Certain restrictions apply. For qualified borrowers. All borrowers subject to credit and underwriting approval. THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT. **The payment on a $300,000, 30-year fixed rate loan at 6.50% and 75% loan-to-value (LTV) is $1,896.20. The Annual Percentage Rate (APR) is 5.692%. Payment does not include taxes and insurance premiums. If you add taxes and/or insurance to your mortgage payment then the actual payment will be greater. Some state and county maximum loan amount restrictions may apply. This is an example and is for illustrative purposes only.

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Why Pay Rent if You Can Become a Homeowner?

Every year, countless renters transition from renting to becoming proud homeowners. While purchasing a home can be a good long-term investment, it is common for first-time buyers to have doubts and questions surrounding their ability to qualify and make down payments. Our loan officers excel at promptly and efficiently addressing any mortgage-related concerns, contributing to a seamless process for our clients. The benefits you may look forward to as a homeowner include:

You get to build equity in your home as you keep paying off your mortgage.
Needing to move when your lease expires is no longer a concern.².
You may benefit through some tax-deductible homeownership-related expenses. *
You get greater control over your home and have to deal with fewer restrictions.

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²Seek advice from a tax consultant.
³You may face restrictions in homes that are part of homeowners associations.
⁴Condos, coops to HOAs

FRMs and ARMs – Interest Rate Alternatives

We offer both fixed-rate mortgages (FRMs) and adjustable-rate mortgages (ARMs), tailoring to suit your unique circumstances and requirements.

Fixed-Rate Loans

If you get a fixed-rate mortgage, its interest rate remains the same through the entire course of the loan’s term. This is ideal if you wish to have certainty about how much you need to pay every month or if you plan to stay in the home you purchase for a prolonged period.

Adjustable-Rate Mortgages

The initial interest rate of an adjustable-rate mortgage is set below the market rate of a comparable FRM, but it is subject to change based on market conditions. This may cause your monthly payments to vary. An ARM might turn out to be more affordable than an FRM in the first three to six years.

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DISCUSS YOUR MORTGAGE NEEDS

WITH OUR HIGHLY-EXPERIENCED LOAN ORIGINATORS WHO ARE HERE TO HELP

Guide for First-Time Homebuyers

If you plan to buy a home but don’t know how to go about the process, consider going through our in-depth guide for first-time homebuyers.