Opciones de préstamo
Cada programa explicado en lenguaje sencillo: para quién es, cómo funciona y qué necesita. Sin tasas publicadas; su oficial de préstamo le da los números reales por escrito.
Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.
Purchase
Fixed-rate mortgage
Your interest rate and principal-and-interest payment stay the same for the whole term.
Cómo funcionaPréstamo FHA
Un préstamo asegurado por el gobierno con pautas flexibles de crédito y de pago inicial. El préstamo más común para una primera casa en nuestros mercados.
Cómo funcionaVA loan
A benefit earned through military service: flexible guidelines, no monthly mortgage insurance, and often no down payment requirement.
Cómo funcionaRenovation loan
Finance the purchase (or refinance) and the repairs in one loan: FHA 203(k), Fannie Mae HomeStyle, and Freddie Mac CHOICERenovation.
Cómo funcionaUSDA rural loan
A government-backed loan for homes in eligible rural and suburban areas, with no down payment required for qualifying borrowers.
Cómo funcionaJumbo loan
Financing above the conforming loan limit, with the flexibility larger purchases need.
Cómo funcionaFirst-time home buyer
The programs, grants, and education that make a first purchase possible, in one place.
Cómo funcionaAsistencia para el pago inicial
Programas estatales de bonos y subsidios que cubren parte de su pago inicial o de los costos de cierre. Somos prestamistas aprobados para los programas de nuestros estados.
Cómo funcionaLow down payment options
Conventional programs like HomeReady and Home Possible, plus FHA, VA, and USDA. A smaller down payment doesn't have to mean a worse loan.
Cómo funcionaSeller-paid buydown
The seller contributes funds at closing that lower your payment for the first years of the loan.
Cómo funcionaPréstamo hipotecario con ITIN
Préstamos para quienes declaran impuestos con un Número de Identificación Personal del Contribuyente (ITIN) en lugar de un número de Seguro Social.
Cómo funcionaInvestors
Investment property
Financing for rental and vacation properties, from a single condo to a small portfolio.
Cómo funcionaDSCR loan
Qualify on the property's rental income, not your personal income. DSCR stands for debt-service coverage ratio.
Cómo funcionaSelf-employed
Bank statement program
Qualify with 12 or 24 months of bank deposits instead of tax returns. Built for business owners whose returns don't tell the whole story.
Cómo funcionaMove-up
Bridge loan
Buy your next home before your current one sells, using the equity you already have.
Cómo funcionaBuild
Construction loan
Financing to build, with a single closing that converts to your permanent mortgage when the home is done.
Cómo funcionaHomeowners
Home equity line of credit
A revolving line against your home's equity that you can draw on as needed.
Cómo funcionaReverse mortgage
A loan for homeowners 62 and older that converts home equity into cash without a monthly mortgage payment.
Cómo funcionaRefinance
Replace your current mortgage with a new one: to lower the payment, shorten the term, drop mortgage insurance, or change loan type.
Cómo funcionaCash-out refinance
Refinance for more than you owe and take the difference in cash for improvements, debt payoff, or other needs.
Cómo funcionaVA refinance
Two paths: the streamlined IRRRL to lower your rate with minimal paperwork, or a VA cash-out to access equity.
Cómo funciona