Pathways to Your Perfect Home
FHA Loans
An FHA loan is a government backed mortgage, designed for first-time homebuyers or those with lower credit scores and limited down payment capabilities. It offers two term options, 15 or 30 years, and is known for its low minimum credit score and down payment requirements, making it particularly attractive to first-time buyers. Additionally, it allows for a higher debt-to-income ratio, enhancing its flexibility and enabling a broader range of individuals to achieve homeownership.
Conventional
Conventional loans, mortgages not backed by the government, can be either conforming or non-conforming and typically have 15, 20, or 30-year terms. They allow as low as a 3% down payment for most buyers, and a minimum credit score of 620 is what you need to qualify, providing flexibility based on the buyer's circumstances.
VA Loans
Exclusively for our nation's heroes - veterans and active military members. These loans feature no down payment and no private mortgage insurance, making home ownership more attainable.
Other Loans
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Explore our Fannie Mae offerings: HomeOne, HomeReady, and Home Possible. Tailored for first-time and repeat buyers, these programs often offer low down payments, flexible credit criteria, and potentially lower interest rates. Additionally, they often come with reduced Private Mortgage Insurance (PMI) costs, making homeownership more affordable. Designed for ease and flexibility, they cater to various financial situations, simplifying your journey to owning a home.
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This option offers a reduced interest rate for the initial period of your mortgage, leading to lower monthly payments at the start of your loan. It's an excellent choice for those anticipating refinancing in the near future.
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Simplifies the process by combining construction financing and a permanent mortgage into one loan, with only one closing process.
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Tailored for self-employed individuals or investors, these loans use bank statements, 1099 forms, or Debt Service Coverage Ratio (DSCR) for qualification instead of traditional income documentation.
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Ideal for rural and suburban homebuyers, these loans offer no down payment and lower mortgage insurance, subject to eligibility based on location and income.
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A separate category focusing on HomeStyle loans, which are designed for financing both the purchase and renovation of a home, providing a comprehensive solution for home improvement financing.
From My Clients' Perspectives
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A. Guthrie, Grand Prairie, TX
“Working with Ron was outstanding! His constant communication throughout the loan process was reassuring. He was always available to clarify our queries, making our fourth home purchase the smoothest yet. His ability to explain complex details simply was invaluable. I highly recommend Ron to anyone looking to purchase or refinance — his assistance is unparalleled.”
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N. Sanchez, Arlington, TX
As first time home buyers, Ron was extremely helpful in this process. You can tell he truly cares and has his heart in the right place. He offered a ton of knowledge and he and his team made everything go very smoothly!”
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Chris M., Georgetown, TX
“As a first-time homebuyer, I felt overwhelmed until I worked with Ron. His knowledge, calm demeanor, and responsiveness made the process smooth and understandable. He was always quick to answer questions, making me feel like a priority. Ron's expertise in exploring all available options helped me immensely. Highly recommend him for his dedication and passion in guiding new homeowners”
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M. Croker, Mansfield, TX
Ron is an incredible LO and takes his job extremely seriously. He is a very knowledgeable mortgage professional and takes the time to help customers understand the mortgage process. I highly recommend using Ron for your mortgage needs.