Lending
Purchasing a home is probably one of the biggest investments you’ll ever make in your lifetime, filled with many questions, thoughts and concerns. Fortunately, since Home Again is both a full-time real estate firm and a mortgage broker, all matters are fully address up-front…from the loan pre-approval process to the closing of escrow of your new home!
And unlike the banks who sell their own loan products, as a loan ‘brokerage’, my license allows me to shop all the nation’s largest wholesale mortgage lenders to determine the best rate and fee structure for your specific circumstances! I’m NOT limited to just one bank’s products!
In fact, Home Again represent a wide range of “A” rated lenders allowing for the lowest possible conventional interest rates, to “rehab loans”, to private “hardship” lenders. I’m not limited, so you are not either!
- Conventional
- FHA
- VA
- Jumbo/High Balance
- Reverse Mortgages for 62 years and older
- Adjustable Rate Mortgages
- Home Rehabilitation Loans
- Bank Statement Loan for Self-Employed Borrowers based on Personal or Business Bank Statements
- Bank Statement HELOC
- Closed End Second Loans allows to tap into equity while keeping low 1st rate mortgage
- Non-Owner Occupied for Investors
- DSCR (Debt Service Coverage Ratio) Loan based on property cash flow, not your income or employment
- Non-Qualified Loan for low FICO or recent credit event
- ITIN and Foreign National Loans
- Investor Cash flow and Hard Money Loans
You will save yourself a lot of time if you determine what a comfortable mortgage payment is for you before you start looking at homes. This is done through completing the loan application below. With this Completed Application, Home Again can then work with you to determine your loan pre-approval amount, at which point, seamlessly begin the search for your new home…the fun part!