The lending market changes quickly; shifting terms, rates, and requirements without much warning. Our loan officers stay up-to-date of these changes, so you’ll always have the latest information available.
Prequalify for your mortgage: This time-saving step gives you a realistic idea of the price range of home you can afford – before you start shopping.
Conforming loans can require as little as 3% to 5% down for qualifying borrowers with monthly mortgage insurance and typically offer lower mortgage insurance than other types of government loans.
The Department of Housing and Urban Development (HUD) offers a flexible type of home loan known as FHA Section 203(b), referred to as an FHA Loan.
VA loans are guaranteed by the Department of Veterans Affairs and can be used to purchase or refinance a primary residence. VA financing is designed to benefit veterans of the armed services, those currently in active duty or the reserves, and their spouses. In order to qualify for a VA loan veterans must be eligible as defined by the Department of Veterans Affairs.
These days much of the loan application and verification documentation has been streamlined. If you choose, you can apply online and we can verify income and assets electronically most of the time.
Having said that, there’s something to be said for having your loan officer review these items BEFORE they are submitted to underwriting so we can anticipate additional documentation that might be needed in advance. Contact us to schedule a meeting.
Here’s our handy dandy reference guide, RLG Keys to Success
“It’s all about getting the right loan at the right time for our clients. Building long-term relationships is icing on the cake.”