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Home Loan Options

Buying a home is one of the most important financial decisions you’ll make. The right mortgage can help you secure the best possible terms, lower monthly payments, and long-term financial stability. Below, we outline the most common mortgage loan types to help you understand which option best suits your needs.

  • Conventional loans are the most common type of mortgage and are not backed by the government. Instead, they follow guidelines set by Fannie Mae and Freddie Mac and are offered by private lenders. These loans are known for their flexibility and competitive interest rates.

    Key Benefits:
    • Wide range of loan terms (10, 15, 20, or 30 years)
    • Lower interest rates for well-qualified borrowers
    • No mortgage insurance with 20% or more down
    • Higher loan limits compared to government-backed loans

    Basic Requirements:
    • Credit Score: 620+
    • Down Payment: Typically 3–20%
    • Debt-to-Income Ratio: Around 43% or lower
    • Documentation: 2 years of income, tax returns, and bank statements
    • PMI required if putting less than 20% down

    Best For:
    Buyers with good credit and stable income who want flexible terms and lower long-term costs.

  • FHA loans are government-backed mortgages insured by the Federal Housing Administration. They are designed to help first-time buyers and those with lower credit scores qualify for homeownership.

    Key Benefits:
    • Lower credit score requirements
    • Low down payment (as little as 3.5%)
    • More flexible debt-to-income ratios
    • Seller can contribute toward closing costs
    • Fixed and adjustable-rate options available

    Basic Requirements:
    • Credit Score: 580+ (or 550 with higher down payment)
    • Down Payment: 3.5% minimum
    • Debt-to-Income Ratio: Up to ~50%
    • Mortgage Insurance: Required for the life of the loan
    • Property must meet HUD standards

    Best For:
    First-time buyers or those with lower credit or higher debt who need flexible qualification options.

  • VA loans are backed by the U.S. Department of Veterans Affairs and are available to eligible service members, veterans, and surviving spouses. These loans offer some of the most favorable terms available.

    Key Benefits:
    • No down payment required
    • No monthly mortgage insurance
    • Competitive interest rates
    • Flexible credit and income guidelines
    • Limits on closing costs

    Basic Requirements:
    • Must meet VA eligibility (service-related)
    • Credit Score: Typically 580+
    • Debt-to-Income Ratio: Around 41–50%
    • VA funding fee applies (can be financed)

    Best For:
    Eligible military members and veterans looking for zero down payment and lower monthly costs.

  • USDA loans are designed to help buyers purchase homes in eligible rural and suburban areas. These loans offer 100% financing with no down payment required.

    Key Benefits:
    • Zero down payment
    • Lower mortgage insurance compared to FHA
    • Competitive interest rates
    • Flexible credit requirements

    Basic Requirements:
    • Property must be in a USDA-eligible area
    • Income must be below 115% of area median income
    • Credit Score: 640+ preferred
    • Debt-to-Income Ratio: Around 41% or lower

    Best For:
    Buyers purchasing in rural or suburban areas who want no down payment and lower overall costs.

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