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WHAT IS A HOME LOAN?
A home loan is a written agreement between you and a lender that details how much they will lend you to purchase a property.
Whether you’re looking for a home loan to buy a house, vacation home, investment property, or want information on first time homebuyer programs, we can help. With over 25 wholesale mortgage lenders at our fingertips, we find the best mortgage rate available to you.
Buying a house
First time home buyer programs
Secure an investment property
Find the vacation home of your dreams
COMMON HOME LOAN QUESTIONS
You can qualify for a mortgage with a FICO score as low as 560 but the better the score, the better the interest rate you'll receive!
What does my FICO score have to be?
Typically the mortgage process takes between 21 and 45 days depending on current demand and the market.
How long does it take to secure a loan?
Points are a way to buy your mortgage rate lower, which is helpful if you plan to keep the mortgage for a long time. There is a breakeven point that we can help you navigate.
What are points?
FHA loans allow as low as 3.5% down and conventional as low as 5% down. It is a common misconception that you need 20% down to purchase a home!
How much do I need for a down payment?
You will need to submit your driver's license, last month of pay stubs, last two months of bank statements, last two years of W2 or 1099. There could be additional documentation needed depending on your scenario.
What do I provide for a home purchase?
Title, escrow, and lender fees that are charged for each transaction.
What are closing costs?
To get a general idea of what you will pay monthly for your home loan, be sure to check out our mortgage calculator.
If you're buying a house, looking for an investment property, or search for new home buyer programs, we can help with all of your home loan needs. Travis will be your sole contact from start to finish and remove the stress from the process!
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