"Navigate the Real Estate Jungle with Tactical Cat"
Residential Loans
Conventional
With a conventional loan, you can choose from a range of mortgage terms – whether it's a 30, 20, 15, or 10-year term – to find the perfect fit for your financial goals. Plus, achieving homeownership is made easier with the option of securing a conventional loan with a down payment as low as 3%. You can also unlock substantial savings by making a down payment of 20% or more, eliminating the need for mortgage insurance.
The eligibility requirements are designed to empower you on your homeownership journey, including a credit score of 620 or higher, flexible down payment options, stable income verification, and a lower debt-to-income ratio.
With our comprehensive support and tailored solutions, your path to homeownership begins here."
FHA
Designed to make homeownership more accessible and attainable for a wider range of individuals. Experience the benefits of flexible qualification criteria, where FHA loan requirements are generally more relaxed compared to other loans. To be eligible, your credit score must be higher than 500 with a 10% down payment, or higher than 580 with just a 3.5% down payment.
The home you purchase must be your primary residence, but you can obtain a home that's 1-4 units. When purchasing a home that's 2-4 units, you can use the rents of the other units as income to help you qualify.
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Down Payment? You can use a Gift from a family member or a Down Payment Assistance program!
VA
We're honored to offer VA loans tailored to the unique needs of our military members and veterans. With a VA loan, you can achieve homeownership with no money down, allowing you to purchase 100% of the home's value. Our dedicated VA team is committed to guiding you through a fast and easy processing experience, ensuring a smooth journey from application to closing.
VA loans offer versatility, allowing you to use them for various purposes, whether it's purchasing property, refinancing an existing loan, or even building or improving your home. Plus, VA loans provide substantial savings by eliminating the need for mortgage insurance.
To be eligible, you must be a qualifying Veteran. Active, surviving spouse or reservist may also qualify.
USDA
With USDA loans, you can secure 100% financing, eliminating the need for a down payment and simplifying the path to your desired home. Whether you're a first-time buyer or seeking to purchase again, USDA Loans offer accessibility to all prospective homeowners in qualifying areas.
Eligibility requirements entail demonstrating creditworthiness, typically achieved with a credit score of at least 640, alongside maintaining stable income. Additionally, displaying a commitment to mortgage repayment is crucial, evidenced by a clean 12-month payment history without late payments or collections. Your adjusted household income must also align with or fall below 115% of the area median income, and the property you choose must serve as your primary residence.
Discover the simplicity and accessibility of USDA loans and embark on your homeownership journey in a qualified rural area today."
Jumbo
Consider a jumbo loan, an ideal option for borrowers seeking financing beyond the limits of conventional conforming loans. While jumbo mortgages function similarly to conventional loans, they exceed standard loan limits, providing the flexibility needed for substantial property purchases.
Eligibility for jumbo loans typically necessitates a solid credit score, a down payment of 10% or more, and proof of your ability to repay the loan.
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Additionally, providing a statement of assets may be required to demonstrate financial stability and further support your application.
One Time Close
Construction Loan
Understanding the ins and outs of a One-Time Close New Construction loan is crucial for borrowers embarking on new construction projects. This unique financing option streamlines the process by combining short-term construction financing with permanent mortgage financing, all within a single closing.
For those purchasing a property, the loan covers both the lot purchase and construction costs. The lot can already be owned by you or if there is a Loan on the land, it can be paid off at closing.
This comprehensive approach ensures a seamless transition from construction to permanent financing, providing borrowers with a straightforward and efficient path to Building their dream home.
Renovation Loan
Unlock the potential of your dream home with a Renovation loan, an innovative solution that allows you to purchase and transform a property to your exact specifications. With this unique financing option, you can seamlessly integrate the cost of home improvements and repairs into your new home loan, streamlining the process and minimizing loan closing costs.
Whether you're a prospective buyer seeking to purchase a fixer-upper or a homeowner looking to renovate your current residence, our Renovation loan offers versatility and flexibility to accommodate a variety of needs.
By combining your rehab loan with your mortgage, you can finance both the purchase price of the home and any necessary repairs or upgrades in one convenient mortgage, simplifying the financing process and providing you with greater control over your home improvement project.
HELOC
Discover the flexibility of a Home Equity Line of Credit (HELOC) –
A HELOC provides borrowers with a revolving line of credit secured by their home's equity, giving them access to funds for various needs such as home renovations, debt consolidation, or unexpected expenses.
Unlike a traditional loan, a HELOC offers a revolving credit line, meaning borrowers can borrow funds as needed, repay them, and borrow again, up to a predetermined credit limit. Interest is typically only charged on the amount borrowed, providing borrowers with greater control and flexibility over their finances. As you make payments towards your outstanding balance, your available credit replenishes, giving you ongoing access to funds whenever you need them.
