WHAT WE DO?
Save Time and Money
Most Conventional mortgages have either fixed or adjustable interest rates. Typical fixed interest rate loans have a term of 15 or 30 years. A shorter-term loan usually results in a lower interest rate.
- 97% financing
- Fixed- or adjustable-rate
- HARP loans available
- 2nd home, non-owner occupied investment property financing available
Friendly and Dedicated support
Easier qualification and low rates with government-backed security.
- 3.5% down payment
- Fixed- or adjustable-rate
- Lower payment
- Limited closing costs
- Reduced documentation available on certain refinances
- HUD REO property qualifies for $100 down and max repairs of up to $10,000
Save Time and Money
Most Conventional mortgages have either fixed or adjustable interest rates. Typical fixed interest rate loans have a term of 15 or 30 years. A shorter-term loan usually results in a lower interest rate.
- 90% financing
- Fixed- or adjustable-rate
- HARP loans available
- 2nd home, non-owner occupied investment property financing available
Save Time and Money
No money down USDA rural development loans to help you.
- No down payment required
- Easy qualification
- Not limited to first-time homebuyers
- Available in certain geographic areas
- Available for purchase or refinance
Friendly and Dedicated support
Come home to security when you get a loan.
- Available to Veterans, Reservists, Active Duty Personnel, and surviving spouses of Veterans; based on military entitlement
- No down payment required
- Reduced interest rates
- 30- and 15-year fixed loans
- No monthly mortgage insurance premium
- Limited closing costs
- No prepayment penalty
Save Time and Money
IF THE PRICE OF YOUR NEXT HOME IS ON THE HIGHER END OF THE SCALE, YOU’RE PROBABLY IN SEARCH OF AN UNCONVENTIONAL LOAN.
Our (Jumbo) Smart Loan has everything you’re
looking for, plus a lot more, including:
• A lower down payment
• Higher debt-to-income
• No mortgage insurance
• A simplified process
• Availability for property investments
• Access to your home’s equity
Friendly and Dedicated support
ONE-TIME CLOSE
CONSTRUCTION LOANS
With home prices increasing and inventory so scarce, it can be hard to find a dream home. Even then, a possible bidding war and overpayment are sometimes enough to scare off potential buyers. Instead of searching for your dream home, why not build one instead?
Sure, building your dream home can come with its own set of challenges. New constructions typically take longer from the start of the process to close, and you need specialized loans for the build and for the home itself. Luckily, We makes it simpler with its One-Time Close Construction Loan!
Save Time and Money
WHAT IS AN INVESTMENT PROPERTY LOAN?
An investment property is a property that is owned but not occupied by the borrower and is not your primary residence. If you’re purchasing another property to bring in more income by renting the property or to take advantage of tax benefits, you’ll need an investment property loan.
INVESTMENT PROPERTY LOAN
VS PRIMARY HOME LOAN
Investment property loans commonly have higher interest rates and will require a higher down payment.
Most mortgage insurance won’t cover investment properties with more than one unit, and the interest rate will be lower if you can pay more as the down payment. Mortgage insurance companies will only insure a one-unit investment property purchase with a maximum Loan to Value of 85%.
You’ll need a higher credit score. Scores that fall below 740 will lead to higher interest rates or having to pay an additional fee. Credit scores as low as 620 are allowed on investment property purchases, but the higher your credit score, the lower your interest rate will be.
Friendly and Dedicated support
WHAT IS
A MANUFACTURED HOME LOAN?
A manufactured home loan is available for manufactured homes or mobile homes that were built in a factory after June 15, 1976. They conform to a Federal building code, called the HUD code, rather than to building codes at their destinations. Manufactured homes are built on a non-removable steel chassis. Sections are transported to the building site on their own wheels. The wheels and axles are removed, and the unit is set on a permanent foundation and has to be taxed as real property for it to be eligible for a mortgage. Sometimes loans are difficult to find for manufactured home loans, but we have several options if you’re in the market for a manufactured home. We offers Conventional, FHA, USDA, and VA mortgage programs on doublewide and triple wide manufactured homes!
BENEFITS
Benefits of a Conventional Manufactured Home Loan
- At least 600 square feet
- Credit scores as low as 620
- Fixed-rate loan options
- Existing and new construction eligible
- Purchase and refinancing options available
- Down payment options as low as 3%
Benefits of an FHA or VA Manufactured Home Loan
- At least 400 square feet
- Credit scores as low as 530
- Fixed-rate loan options
- Existing and new construction eligible
- Purchase and refinancing options available
Pre-Qualification Letter
is Ready For You ~ ~
(Your Information is Secure, always Private and Never Share)
3.750 % or 9.50 % Interest Rate?
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Disclaimer: This is an offer to receive more information, this is not a commitment to lend. Not all applicants will qualify automatically. For Loan Approval, additional information and documentation is needed, including but not limited to, satisfactory verification of income and assets, plus additional documentation to support creditworthiness. Some Private Investor's decisions will be great potential to get a loan or sell in any condition. This is an advertisement. The information on this site is general and your situation may vary.
20년 이상 고객의 편에서 정직하고 명쾌한 융자로 고객의 재산 보호와 증식에 앞장선 김명선 융자팀에서 이민 생활에 큰재산증식과 재도약의 기회를 잡으셔요~