Loan Products


Purchase a Home

FHA

With an FHA loan you can purchase a home with as little as 3.5% down.  In today’s market most sellers are willing to pay most if not all of the closing costs for your mortgage.  This means that your cash to close can be as little as 3.5% of the purchase price of your home.

For more information on FHA loans click here: http://www.hud.gov/buying/loans.cfm

Call us today at 813-831-9330 for rate and other information.


VA

With a VA loan you can purchase a home with 0% down.  VA allows customers who qualify to finance up to 100% of the purchase price of your home.  In today’s market most sellers are willing to pay most if not all of the closing costs for your mortgage.  This means that you could purchase a home with a VA loan and have to bring no money to the closing table.

For more information on VA loans click here: http://www.homeloans.va.gov

Call us today at 813-831-9330 for rate and other information.


USDA

With a USDA loan you can purchase a home with 0% down.  USDA will even allow you to finance up to 102% of the purchase price of the home to pay for some of your closing costs.  In today’s market since most sellers are willing to pay for most if not all of your closing costs it is likely that you could qualify to purchase a USDA home for no money down.

For more information on USDA loans click here: http://www.homeloans.va.gov

Call us today at 813-831-9330 for rate and other information.


Conventional

Yes there are still conventional loans out there!  If you have a good credit score and you have money to put down on the purchase of your home you can qualify for a conventional loan.  Usually you will need to bring at least 10% down to the closing table to qualify for a conventional loan.  The benefits to a conventional loan vs. the other types of loans are that you may not have to pay monthly mortgage insurance and you will not have to pay a funding fee.

Call us today at 813-831-9330 for rate and other information.





Refinance Your Home

FHA

With an FHA loan you can refinance your home up to 97.75% of its current value.  If you are currently on an adjustable rate loan or you have a higher interest rate fixed mortgage refinancing into an FHA loan could save you money on your monthly payments.

Call us today at 813-831-9330 for rate and other information.


FHA Cash-Out

With an FHA cash out loan you can do up to 85% of your home’s value and take cash out of your home for home improvements, consolidating bills and for other purposes.

Call us today at 813-831-9330 for rate and other information.


FHA Streamline

If your current mortgage is an FHA loan you can do an FHA Streamline refinance.  With an FHA Streamline you do not have to do a new appraisal to verify the value of your home.  You also do not need to verify your income.  This is an excellent product for the customer who is just looking to lower their monthly payments or change their loan from an adjustable to a fixed rate product.

The main benefit to this product is that there is no appraisal required.

Call us today at 813-831-9330 for rate and other information.


Conventional

With a conventional loan you can refinance your home up to 90% of your home’s value. If you are on an adjustable rate loan or a higher interest fixed rate loan you can save yourself some money by refinancing into a lower fixed rate conventional loan.  You can also do a cash out refinance up to 80% of your home’s value.

Call us today at 813-831-9330 for rate and other information.





Specialty Loan Products

Reverse Mortgage

If you are 62 years old or older you may qualify for a reverse mortgage.  A reverse mortgage is a loan against your home that you do not have to pay back for as long as you live there. It can be paid to you all at once, as a regular monthly advance, or at times and in amounts that you choose. You pay the money back plus interest when you die, sell your home, or permanently move out of your home. These loans are a great way to supplement your retirement income.

Call us today at 813-831-9330 for rate and other information.

Hard Money Loans

Poor credit, can’t verify your income?  We have hard money lenders that can help you out.  These lenders will lend up to 65% of the value of your home so you can free up the cash that you need.  Some underwriting conditions may apply.

Call us today at 813-831-9330 for rate and other information.



Equal Housing Lender