There are innumerable home mortgage loan products on the market today. What’s right for you? Well, that depends. Below please find some very high level information on each of the types of loans and loan features that we offer, and if you click through, a bit more detail. Many of the options overlap each other, creating a rather complex maze of possibilities. It’s my job to guide you through the maze!
- Buy & Renovate (FHA 203K): Home purchase and renovation rolled into one low rate loan from FHA.
- Condo Mortgages: Condos can be tough to finance due to strict rules from Freddie Mac and Fannie Mae. We offer competitive terms on both non-warrantable condos and condotels.
- Construction & Lot Loans: Build your dream home with a low down payment.
- Down Payment Assistance: If your income is below $84,000 (in most Austin-area counties) we can often help you eliminate your down payment.
- Foreign National/Citizen & ITIN Loans: Fannie Mae and Freddie Mac won’t finance non-US citizens, so most banks won’t either. We have various competitive programs available for different situations.
- Green Lending: Most lenders do not recognize the value of high performance buildings. We do. Get the money you need to build or upgrade to an energy efficient home.
- Jumbo Mortgages: Loans over $417K (in Texas) that conform to Freddie Mac and Fannie Mae standards. We offer 10% down with no Mortgage Insurance up to $750,000.
- Renovation Loans: Renovate and refinance concurrently.
- Reverse Mortgages: Allows seniors to access the equity in their home without income or credit qualifications.
- Conforming Mortgages: Loans that conform to Freddie Mac and Fannie Mae standards.
- FHA Loans: Mortgages guaranteed by the Federal Housing Authority.
- USDA Loans: Rural loans guaranteed by the U.S. Department of Agriculture
- VA Loans: Mortgages for U.S. military veterans and their survivors.
- Fixed & Adjustable Mortgage Rates: Fixed rate loans have interest rates that never change, ARMs usually change once per year based on prevailing rates after a specified period of time.
Equal Housing Lender
No statement on this website is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the house to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Terms of the loan may be subject to payment of points and fees by the applicant. NMLS# 3116