Pete and Alanna jumped in right away explaining the process and making us feel that our home mattered. Not to mention that their rate beat all others we considered.
Peter uncovered a strategy for us that no other consultant I interviewed had brought up, and that tip ended up saving a significant amount off our interest rate.
[Peter] was extremely patient, and was always happy to sit and explain all the intricacies of the lending process whenever we asked; once even in the midst of attending a funeral
I'm tellin' you... this guy is COMMITTED.
We were not the highest bidder but Peter worked his magic and ours was accepted. The seller's agent even said having Peter's work ethic helped us.
Mortgages we offer
Known as the "traditional" mortgage that allows for as little as a 3% down payment. This is typically the best place to start because this category has the cheapest rates. Both fixed-rate and adjustable-rate mortgage options are available. This category has the cheapest costs and includes cancellable mortgage insurance if you opt to put less than 20% down.
Available if this is your primary home, or if your profile (credit or down payment) is less than ideal. An FHA loan won't penalize you and it'll make it easier to get into a home. FHA loans allow for as little as 3.5% down and have options for credit scores as low as 580. This is ideal because the conventional category will tell you to come back when your profile looks better.
Thank you for serving our country! We want you to know we will try whatever it takes to get our veterans into a home and we mean it. Veterans and active-duty military qualify for 0% down payment with no monthly mortgage insurance through the VA loan program. VA has a funding fee but is exempt for Veterans with 10%+ disability. Rates are also the cheapest out of all the categories.
Your County will have a loan limit threshold which will place you either in the Conventional or Jumbo loan category. Jumbo rates are very similar to conventional, sometimes better but since the home is bigger and the loan is bigger, some stricter requirements are needed. i.e. Longer job history, more savings, larger down payment.
If you didn't file enough income to qualify, don't worry! We will either use your business bank statements or profit & loss to qualify for you. Since you don't show income on your taxes the rates are about 1% higher than the conventional market but for those who don't like to pay taxes or deduct way too much, this is a great option.
You might not fit in any of these categories and that's ok! Not everyone should! If you are not a citizen, or don’t have income but have a lot of money invested, or all your money tied up in properties. We have seen all sorts of situations. We have creative loans that will work with your specifics. There is always a loan out there for you.
We can finance your shopping center, multi-unit, apartment building, retail, or high-rise. Also if you're buying an existing business and need an SBA loan we can help.
We make a commitment to being responsive so you never get left in the dark.
Online, through email, text, WhatsApp, whatever you are most comfortable with.
We provide explanations, articles, master classes, and a great online platform to make your process easy.
Our team has over 20 years of industry experience to make things fast and reliable.
BRE #01809854, NMLS ID #308946.
Realtor at First American Realty Group NMLS #275197