Faq

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Refinancing FAQs

When you refinance your mortgage, you have two options: you can get a new rate and term to lower your monthly payment, or you can take cash out to pay your bills or buy something.

The refinancing process is very straightforward and easy. After a quick phone call we will have you fill out a 1-page app and then we will ask for some required documents. We do the rest.

Whenever you take out a new loan, you’re going to pay fees and closing costs associated with that loan. A refinance is no different. But we do not charge you a consulting fee or a processing fee.

Reverse Mortgages FAQs

Income for the rest of your life or one lump sum. Income is tax free*. You keep the title and stay in your home. You keep your independence and leave your home to your heirs.

Similar to our other services, we begin the reverse mortgage process with a quick phone conversation to understand your needs and goals. Then we have you fill out a 1-page app.

Are you 62 or over? Do you own a home with equity? Is it your primary residence? Is it well-maintained and all property taxes and insurance paid? Those are the basic requirements.

Home Loans FAQs

Your three home loan options are Conventional, FHA, and VA. Most home loans are Conventional, but you may opt for a FHA loan if you’re a first-time buyer or a VA loan for veterans & military.

The general qualifications to qualify for a home loan include credit score, household income, job history, cash reserves, and down payment amount. We can help you figure it all out.

Give us a call and we will walk you through the process. For your part, we will ask you to fill out a simple 1-page loan app and then provide you with a documentation checklist. That’s it.

Home Sales FAQs

Rather than quickly choosing a listing agent, it is wise to speak with a real estate finance specialist first, so you have a clear financial perspective before diving into marketing and negotiation.

In addition to getting your home into pristine condition to wow potential buyers, we can help you get a clear understanding of your home’s worth and your home sale financial objectives.

Your home is sold with a marketing plan that may include home improvements, home staging, professional photography, open houses, digital marketing, networking, and multiple listings.

Income Properties FAQs

If you’re just starting out you should seek the advice of a real estate finance specialist so that you can avoid common mistakes and hassles. We have 20+ years experience, so we can help.

We will guide you through the real estate investment process at no cost. We do not charge consulting fees. We make money on the back-end after your loan is processed and funded.

Once we determine the kind of investment property you want to buy, the neighborhood, average rent, and return on investment, we will help you make the purchase with ease.

Fix & Flip Loans FAQs

Before you dive in as a fix-and-flipper, you should have a clear understanding of all the costs to purchase the home, repairs, contractor fees, listing fees, holding costs, etc. We can help.

Once we have a clear understanding of your fix-and-flip goals, we can help you get funding. This process begins with a simple 1-page loan app and a checklist of documents we need from you.

Once we have your loan app and documents, we will begin the underwriting and funding process. This process usually takes 30-45 days, and we have a great track record of closing on time.

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