Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.
FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer - anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.
The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.
The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.
Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $453,100. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.
A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments.
Jeannine was great, sincere and considerate. She explained everything to me and made sure I understood all the numbers and paperwork. Since I was a first time buyer I had a lot of questions. Jeannine made me feel comfortable and the whole process was easy and smooth. Highly recommend her and her team.
Delyn was very attentive. Anything I had a question about she was always available to answer. Always touched base even when we were at a standstill just to let me know what was going on and why and next steps. It was the simplest ans easiest closing I've ever had. Thank you!
I enjoyed working with my mortgage lender, Amber Woods. She did a fabulous job answering all of my questions, and did a great job assisting us with our loan. She is very personable, friendly and amazing! I will definitely contact her again if we refinance our home in the future or sell our home in the future. Thank you to all of the The Heisler Team and Laurence Heisler!!
Christopher and his team were a pleasure to work with. They made the process hassle free and were always in great communication with me through the process. If you are looking for a great mortgage lender you have found it with Christopher and his team.
Michael for my os better in spanish :-) Gracias por tus consejos, tu ayuda y sobre todo la sinceridad de todo el proceso, nos sentimos contentos mi esposa y yo de haber contado con tigo para la compra de nuestra casa, Muchas Gracias Mike, de verdad ..... muchas gracias :-)
Christine and her staff were extremely helpful, professional, and knowledgeable in the home mortgage process. This is my 5th home purchase, so I have met and known many people who do the same work. What you need in this process is someone you feel comfortable talking about the most private details, and Christine is a good person, yet professional and honest as well. I'm so grateful for all she and her staff have done for us. Thank you!
Sarah made herself available to us and walked with us through a stressful time of selling a home and finding our dream home. She was honest, accommodating, so helpful and customer service was great. So happy to have worked with her. Would happily refer her to friends and family.
Carson Wright from Butler Mortgage helped us get our family home. I am impressed with how hard he worked in finding us the best rate and the follow through when contacting us after he had completed his job, just making sure things were working smoothly. I could not be happier with Carson and would highly recommend his services to any prospective home buyer. He will go above and beyond to help you get your dream home. Truly appreciate everything he did for our family.
Gulfside Mortgage's friendly, customer first atmosphere, coupled with their vast industry knowledge, makes this business GREAT. Tony, Michelle and their team found useful options other mortgage services would not have found. Thank you Tony and Michelle, you are the BEST!
Craig didn't just make the purchase process easy, he helped us make the best decision for our family! There are so many factors when purchasing a home and he made sure we understood them all. He was also very knowledgeable about fha and va loans, and who to contact to get the very long va process completed in a timely manner. Craig was always available when we had questions and he was very thorough in explaining everything. Thank You for everything!
From the very beginning David was very easy to work with, we had a unique circumstance and not only was he extremely knowledgeable but he worked very hard to help us. He kept us informed throughout every step of the loan process, and was readily available to answer any questions. I would definitely recommend David for any mortgage needs!
Joseph is very professional and knowledgeable. On the first meeting he went over the procedure and estimate. The process was painless, being able to submit needed information via email and docu-sign made the process very easy. He and his staff very promptly answered my calls and any questions. The process from start to end was very fast. I will certainly recommend to others working with Joseph and his team at The Mortgage Firm. I am very impressed .