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FHA, CONVENTIONAL AND VA HOME 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.
Link to: Apply
VA LOANS
Los Angeles 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.
Link to: Apply
FHA LOANS
Los Angeles 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.
Link to: Apply
CONVENTIONAL
Los Angeles 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.
Rates & 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.
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WE GOT YOUR SIX!
Mortgage Heroes has been helping Active Military and Veterans for more than 15+ years. This page is made to help all military families get the answers they are looking for when it comes to housing. Whether its questions about using your VA or new listings in SD, Mortgage Heroes are here to support just as each military member has supported this country!
GET IN TOUCH
Mortgage Heroes
873 Anchorage Place
Chula Vista, California 91914
group@yourmortgageheroes.com
(619) 934-7775
NMLS# 325149
See NMLS consumer access page