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You are free to choose any lender you wish, and we encourage you to shop around for the best rates and terms. We thought you would want to look into our trusted lender, you are not obligated to use our trusted lender.
FHA Loan
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payment and credit scores than many conventional loans.
Unlike other loan types, property buyers with credit scores as low as 620 can qualify for an FHA loan. Mandatory down-payments can be set as low as 3.5% of the home’s cost, minimizing the need for available cash up-front. In addition to lower down-payments and interest rates, FHA borrowers can take advantage of unique benefits like Down Payment Assistance programs, Down Payment Gifts, and Up to 6% Seller Assist.
Purchase & Refinance Options
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment. Without Federal Government-mandated procedures to deal with, Conventional loans are simple to apply and qualify for. With tons of options and customizable terms available, we can craft a conventional loan that perfectly aligns with your borrower's financial status and long-term goals.
VA Loan
Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings.
If you meet the basic service requirements specified by the U.S. Department of Veterans Affairs, you are eligible for a VA loan whether you are on active duty, a veteran, a National Guard member, or a reservist. You may also be eligible if your spouse is in the military while on active duty or due to a disability connected to his or her service.
Renovation Loan
Whether you are eyeing (or already own) a house that needs minor repairs, a total makeover or anything in between, AnnieMac’s assortment of Renovation Loans are a great way to transform a house into your dream home.
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We want to know your needs exactly so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help.
