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We offer a variety of mortgage loan options to fit your needs:
- Fixed-Rate Mortgage: A loan with a stable interest rate for predictable monthly payments.
- VA Home Loan: A loan program for veterans and active-duty service members with favorable terms.
- USDA Loan: A loan program for rural and suburban homebuyers with low-to-moderate income. Jumbo Home Loan: For higher-value properties exceeding conventional loan limits.
- Rehab Loan: For homebuyers looking to purchase and renovate a property.
- First-Time Home Buyer Loan: Tailored loans for those purchasing their first home.
- Low Down Payment Options: Loans with minimal down payment requirements for eligible buyers. Investment Property Loans: Loans for purchasing rental properties.
- Refinance: Options to refinance your existing mortgage for better terms.
Our loan specialists are here to help you select the best option based on your financial situation and goals. Schedule a Goal Analysis Consultation to discuss your options.
The pre-qualification process is simple and involves:
- A short consultation to understand your financial goals.
- A review of your income, credit, and asset details.
- A quick estimate of the loan amount you could qualify for.
Once we have all necessary documentation, the approval process can take about 30-45 days, including underwriting and closing. However, we provide transparent, step-by-step communication throughout the process.
Closing costs typically range from 2% to 5% of the loan amount. These costs include fees for the appraisal, title search, and loan processing. We will provide an estimate of closing costs early in the process, so you're prepared.
Yes, we offer options for buyers with varying credit histories. FHA loans, for instance, may accept lower credit scores. We work with you to find the best solution for your unique situation.
PMI is often required for conventional loans with a down payment of less than 20%. It protects the lender in case of default. Once you reach 20% equity in your home, you may be eligible to cancel PMI.
Home Loans Inc. offers up to 120-day rate lock protection, ensuring your rate won’t change, even if market conditions fluctuate.
You will need to provide:
- Proof of income (W-2s, pay stubs, tax returns)
- Proof of assets (bank statements)
- A valid ID
- Credit history (we will pull this as part of the application)
No, we do not charge a prepayment penalty. You are free to pay off your mortgage early without incurring extra fees.
We are committed to helping
you reach them.
NMLS: 1281448 | COMPANY NMLS: 1728740
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