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ROCIO ZARATE · YOUR MORTGAGE CONNECTION
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A loan for your next chapter.

Explore financing options and learn what each program offers, why borrowers use it, and how it may fit your plans.

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FHA Loans

Government-insured financing with down payments as low as 3.5% for eligible borrowers.

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VA Home Loans

Home financing for eligible veterans, service members and qualifying surviving spouses.

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USDA Loans

Financing for eligible primary homes in qualifying rural areas, with no down payment for qualified borrowers.

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Jumbo Loans

Financing for loan amounts above the applicable conforming loan limit for the property location.

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Fannie Mae (FNMA) Loans

Conventional mortgage options following Fannie Mae guidelines, including HomeReady for eligible borrowers.

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Freddie Mac (FHLMC) Loans

Conventional mortgage options following Freddie Mac guidelines, including Home Possible and HomeOne.

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FHA 203(k) Renovation

A mortgage that combines a home purchase or refinance with eligible rehabilitation costs.

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Reverse Mortgages

Eligible homeowners can access a portion of their home equity; FHA HECM loans are available to homeowners age 62 or older.

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Mobile Homes in Parks

Financing options for eligible manufactured homes in mobile-home parks, including homes on leased land.

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ITIN Loans

Mortgage options using an Individual Taxpayer Identification Number instead of a Social Security number.

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Foreign National Loans

Financing options for eligible non-U.S. citizens who reside primarily outside the United States.

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Bank Statement Loans

Self-employed borrowers may document income using 12 or 24 months of personal or business bank statements instead of tax returns.

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Profit & Loss (P&L) Loans

Self-employed mortgage options using a business profit-and-loss statement to document qualifying income.

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DSCR Investment Loans

Investment financing that generally evaluates rental income against the property’s qualifying housing expenses.

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HELOC

A revolving home equity line of credit that can be drawn as needed during a set draw period.

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Stand-Alone Second Mortgage

A separate mortgage that typically provides a lump sum secured by home equity, leaving the first mortgage in place.

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Construction Loans

Financing for building a new home or, with certain programs, major renovations.

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No Traditional Income Documents

Certain investment programs do not require traditional personal income documents such as W-2s, pay stubs or tax returns.

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