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Mortgage Loans

We’d love to help you get approved for a home mortgage loan!

 

We Have Loan Programs That Will Fit Your Needs

We offer many great fixed-rate loan programs: ARMs, FHA, VA, and almost every other type of loan that you can imagine.

Getting the Right Rate

Everybody wants to have the lowest rate they can get, right? There are several ways to secure a lower interest rate than what is being advertised, but you’ll need to be careful.

→ Consider getting an adjustable rate mortgage: How long do you plan to stay your new home? For a shorter period of time, you may want to consider an adjustable rate mortgage that provides a lower fixed rate for 5-7 years.

→ Consider paying points: “Points” are percentage points. When you buy 1 point, you’re paying to lower your rate from 6 to 5%, for example. This can give you a lower rate over the life of the loan, but when you pay a point you will be adding 1% of the total loan amount to your closing costs.

→ Use a reputable company: It’s important to use a good broker that has relationships with many banks. They’ll be able to shop around for you using methods that you don’t have access to. This can help you find lower rates that might not be possible to find otherwise.

→ Get an FHA loan, if possible: Government-backed programs usually offer some of the best rates in the market. But they’re harder to get because standards are stricter than what private banks have to adhere to.

It is more important for you get a loan product that fits your specific needs than to go with the lowest rate you find initially. There are many costs associated with having lower rates that could hurt you more than help if you’re not careful. If you want to secure a better rate on refinancing or a purchase, then give us a call.

See If You Qualify For A Home Loan

Please fill out our secured Online Loan Sheet below and we will make sure to get you and your family moving in the right direction. You can do this at your convenience.

We look forward to receiving your loan application.

Your next home is waiting for you!

If you have any inquiries please contact USAFC Realty today.

Your next home is waiting for you!

All Loan Products

Here you find all the information you need about Loan Products. Make sure to read more about them here, otherwise just give us a call.
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VA Loans

If you want to get further information on VA Loans, make sure to read more about it here, otherwise just give us a call.
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FHA Loans

If you want to get further information on FHA Loans, make sure to read more about it here, otherwise just give us a call.
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