Congratulations
On Taking The First Step To Buying
We're here to make the new home process a heck of a lot easier! We say it loud and proud; “our clients are THE MOST educated and THE MOST confident buyers on the market today”. Our process is second-to-none.
Education & Transparency
Let's take away the mystery and headaches of getting pre-approved for a new home. Making sure you have the best rate and understand all financing options available to you is what we do best.
No-Hassle Process
All loans “live-and-die” in what is called your Debt-to-Income ratio. This ratio is based off of your gross income (before taxes). Depending upon the loan program, the ratios allowed will vary. Conventional financing allows a DTI ratio of 49.99%/49.99%. FHA financing allows your ratios go up to 46.99%/55.00% and VA Home Loan Benefits go off of your “residual income”.
Confused? It’s okay! We will make sense and explain in every-day terms.
How Do I Qualify?
Front-End "DTI"
This ratio is your gross income (before taxes) vs the new monthly mortgage payment.
Back-End "DTI"
This ratio is your gross income vs the new home and minimum payments on the credit report.
Standard Financing Programs
Conventional Financing
3%-20% Down, A+ Terms
Have good credit, income, and a down payment? This could be the best for you.
VA Home Loans
Best Option For Veterans
Take advantage of your VA home loan benefits. There is no comparison!
FHA Financing
3.5% Down, Min. 580 Credit
FHA Loans offer a solution for a buyer with minimal down or less than perfect credit.
Assistance Programs
Assistance to Purchase
Explore various down payment assistance programs to find out if it’s your best option.
DSCR Investor Financing
Qualify the home, not the buyer
DSCR Loans (debt service coverage ratio) offer a solution to investors looking to grow their portfolio.
Bank Statements Only
Self-Employed? Qualify on only deposits
Bank Statement Only Programs offer the self-employed an option to qualify on 12 or 24 months of statements.
Have Questions?
Good, Because That's What We're Here For.
“Most clients have more than one loan option. The key is finding the right option for their situation” – R. Hrisca aka The Bearded Beauty
