FINANCING YOUR FUTURE HOME

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Our Loan Products

FHA

What They Are: FHA loans are government-backed loans designed to make homeownership more accessible.
Key Benefits:
- Low down payment options (as little as 3.5%).
- Easier qualification requirements for credit scores. 580 Fico & above.
- Ideal for first-time homebuyers.
Who It's For: Perfect for buyers with lower credit scores or limited savings for a down payment.

Conventional

What They Are: Conventional loans are not government-insured and offer flexible terms for a variety of buyers.
Key Benefits:
- Competitive interest rates.
- Options for as low as 3% down (for qualified borrowers).
- No private mortgage insurance (PMI) if you put down 20% or more.
Who It's For: Great for buyers with good credit and savings who want more flexibility in loan terms.

VA

What They Are: VA loans are exclusively for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves.
Key Benefits:
- No down payment required.
- No private mortgage insurance (PMI).
- Competitive interest rates.
Who It's For: Veterans or military members looking for affordable home financing with favorable terms.

USDA

What They Are: USDA loans are government-backed loans designed to promote homeownership in rural and suburban areas.
Key Benefits:
- No down payment required.
- Competitive interest rates.
- Flexible credit guidelines.
Who It's For: Ideal for moderate-to-low-income buyers looking to purchase a home in eligible rural or suburban areas.

Home Equity Lines of Credit (HELOC)

What They Are: A HELOC is a revolving line of credit that allows homeowners to borrow against the equity in their home, using it as collateral.
Key Benefits:
- Access to funds as needed, similar to a credit card.
- Lower interest rates compared to personal loans or credit cards.
- Flexible repayment options, often with interest-only payments during the draw period.
Who It's For: Perfect for homeowners looking to finance home improvements, consolidate debt, or cover major expenses while leveraging the equity in their property.

Bank Statement Loans

What They Are: Bank statement loans are a type of non-traditional mortgage designed for self-employed individuals or those with non-W2 income. Instead of using tax returns, lenders evaluate income based on bank statements.
Key Benefits:
- No need for traditional income verification like W-2s or tax returns.
- Flexible qualification requirements for self-employed borrowers.
- Helps borrowers with irregular or fluctuating income.
Who It's For: Ideal for entrepreneurs, freelancers, gig workers, or anyone with non-traditional income sources.

About Us

Hi, I’m Abel Sanchez, a Mortgage Loan Officer passionate about helping you achieve your homeownership goals. With years of experience, I make the mortgage process simple and stress-free, offering personalized solutions for every need. Whether you're a first-time buyer or refinancing, I'm here to guide you with transparency, integrity, and expert advice every step of the way. Let’s work together to make your dream home a reality!