Mortgage Pre-Approval

One of the first steps in the home buying process is to consult with a mortgage lender about your financing options. When you know what you can afford, you can focus your home search and make your move more quickly when you find the property you want

There are many loan programs avaiable to help with financing your home purchase. Such as;

  • HHF Florida Bond Loan - up to $15,000.00 in Down Payment Assistance in Hillsborough, Pinellas, Polk & Pasco.
  • FHA Loans - The Federal Housing Administration (FHA) mortgage insurance program is managed by the Department of Housing and Urban Development (HUD), which is a department of the federal government. FHA loans are available to all types of borrowers, not just first-time buyers. The government insures the lender against losses that might result from borrower default.
    Advantage: Allows you to make a down payment as low as 3.5% of the purchase price.
    Disadvantage: Mortgage insurance is required which can increase the size of your monthly payments.
  • VA Loans - The U.S. Department of Veterans Affairs (VA) offers a loan program to military service members and their families. Similar to the FHA program, these types of mortgages are guaranteed by the federal government. This means the VA will reimburse the lender for any losses that may result from borrower default. The primary advantage of this program (and it's a big one) is that borrowers can receive 100% financing for the purchase of a home. That means no down payment whatsoever.
  • Conventional Loans - Fixed-rate mortgage loans have the same interest rate for the entire repayment term. Because of this, the size of your monthly payment will stay the same, month after month, and year after year. It will never change. This is true even for long-term financing options, such as the 30-year fixed-rate loan. It has the same interest rate, and the same monthly payment, for the entire term.

Fill out the form below to begin the process.

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