On the broker side I can match your scenario to many lenders and programs. Here are the main tools in the toolbox, and what each is best at.
Flexible credit requirements and down payments from 3.5%. The workhorse for first time buyers, and it pairs well with down payment assistance.
Down payments from 3% for eligible first time buyers, with mortgage insurance that can drop off over time. Great for solid credit profiles.
For veterans, active duty, and eligible surviving spouses. Up to 100% financing with no monthly mortgage insurance. Thank you for your service.
Up to 100% financing for homes in eligible areas outside the urban core, including parts of Pasco and beyond.
Bank statement, P&L, and 1099 loan options when tax returns don't tell your whole income story. A specialty of mine.
Qualify investment properties on the property's rental income rather than your personal income. Another specialty, for first time and seasoned investors alike.
Restructure your existing loan to change your payment or your payoff timeline.
Replace your current mortgage and turn part of your equity into cash for renovations, debt consolidation, or other goals.
A line of credit against your equity that leaves your existing first mortgage untouched.
Estimate only, for illustration. Enter any rate you like; this is not an offer of credit, not a quote, and excludes taxes, insurance, and mortgage insurance. Your actual rate and payment depend on credit, loan type, and other factors.
That's my job. Tell me a little about your situation and I'll narrow it down with you.