Home Purchase
There’s nothing better than raising your kids on your own home. We can help you with just a few simple steps to unlocking that American Dream of home ownership. Apply Online today.
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MORTGATE LENDING FOR HEROES!
We get it, there’s a lot of bad information out there. Since 2005 we’ve put more than 1,000 families into homes. We believe veterans should own a home in the land you fought to protect. We come from a long family line of veterans. We serve in the VA space to honor our family line and offer expertise to the community we care about.
Rate & Term Refinance
It’s never too soon to start saving money on your monthly mortgage. Rate & Term Refinancing will save you tens of thousands of dollars over the life of your loan. Apply today to learn more.
Cash Out Refinance
Too often the biggest access to cash is a homeowners equity. Remodel your home, pay down debts or take that dream vacation, Cash out Refinance is your ticket out of “Equity-Jail”. Apply Now
HOME MORTGAGE LOANS
Our goal is to take your “normal” mortgage experience and make it exceptional, with trusted guidance, tailored options, and all in simple language that easy to understand. Whether its online or in person, our focus is helping aspiring homeowners cross the line of homeowner ship as simply as possible without any fluff.
VA LOANS
VA Loans – With more than 25 million veterans and service personnel eligible for VA financing, this loan is attractive and has many advantages. Eligibility for the VA loan is defined as Veterans who served on active duty and have a discharge other than dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime. VA loans are a mortgage loan guaranteed by the United States Department of Veterans Affairs.
FHA LOANS
FHA Loans – An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, or FHA. Popular with first-time home buyers, FHA home loans require lower minimum credit scores and down payments than many conventional loans. Qualify for an FHA loan with a credit score as low as 500 with 10 percent down or maximum financing of 97.5 percent with a credit score of 580 or higher and 3.5 percent down.
CONVENTIONAL
CONVENTIONAL Loans – About half of all conventional loans are called “conforming” home mortgages, because they conform to guidelines established by Fannie Mae and Freddie Mac. These two government-sponsored enterprises (GSEs) buy home mortgages from lenders and sell them to investors. Their purpose is to make home mortgages more widely available. All conforming home mortgages are conventional home mortgages.
CONTACT US DIRECTLY
If you would like to speak with our team about your home loan questions, please complete the form below. You can also start your loan application online by APPLYING NOW.
LATEST BLOG POSTS
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Andy Cruz2023-03-25 22:12:102023-03-25 22:12:10The Mortgage Heroes Podcast Episode 12 - Bank Failures, we have to talk about this #bankfailure
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Andy Cruz2023-03-20 23:34:212023-03-20 23:34:21Monday Mortgage Minute - The FED MUST GET THIS RIGHT! #rates #thefed #inflation #economy
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Andy Cruz2023-03-15 19:13:332023-03-15 19:13:33The Mortgage Heroes Podcast Episode 11 - Reverse Mortgages to the rescue!
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Andy Cruz2023-03-14 01:09:592023-03-14 01:10:58Monday Mortgage Minute - NOW THE FED IS UNDER MORE PRESSURERates & Fees Disclosure:
‡ The payment on a $300,000 30-year fixed-rate VA loan at 3.000% with a 80% loan-to-value ratio is $1,292.01 with 0 (zero) origination points due at closing. The annual percentage rate (APR) is 3.235%. Payment does not include tax and insurance premium impounds. The actual payment amount will be greater. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Some state and county maximum loan amount restrictions may apply. Appraisal fee of $600, Processing Fee of $895, Underwriting Fee of $795 included in APR calculations with borrower paying 0 (zero) loan origination points.
‡ Based on Mortgage Heroes internal data.