More Than A Mortgage
OUR TEAM IS READY TO HELP YOU IDENTIFY AND OBTAIN THE FINANCING SOLUTION THAT’S BEST FOR YOU.
Reach Your Homeownership Goals
Choose from the tools below to help you achieve your homeownership goals
Mortgage Types Available
Conventional
For clients whose parameters conform to the standard set by Fannie Mae and Freddie Mac. Loan Limits are up to $647,200 for 1-unit.
FHA
Suitable for clients whose credit history may be slightly challenged and who need to make a low downpayment. Federal Housing Authority (FHA) loan limits vary per county.
VA
Available to Veterans of the United States Military. Department of Veterans Affairs (VA) loans permit a 0% down payment.
Jumbo
For clients who need to borrow more than the conforming limits listed above.
Non-QM
There are various reasons why a loan may not be eligible to be categorized as being a Qualified Mortgage (QM). A Bank Statement Loan is a common example of a Non-QM loan.
Customized Portfolio
Suitable for High-Net-Worth clients needing to borrow an amount in excess of traditional Jumbo limits. Portfolio loans often require the client to establish a depository banking relationship with the boutique bank to which the loan is brokered.
A mortgage is not just a means to purchase your dream home, it is wealth building strategy. Whether you are looking to purchase or refinance, when selecting a mortgage if you don’t also take all your consumer debt into account and calculate what is the most efficient configuration in terms of interest expense, you may end up paying more interest than you should.
Most people don’t think of a mortgage as a vehicle to reduce debt to create wealth. We have a tendency to overlook the opportunity to restructure debt when making a purchase or a refinance, which are opportunities to reduce your overall monthly debt burden, and accelerate the growth of your net worth. Don’t make that mistake. Get in contact with us today!
