Loan Information

If you're like most buyers, a home is the most expensive purchase you'll ever make, and you'll probably need some form of financing.

There are many lending institutions that offer a variety of mortgage products. Financing options and rates can vary widely, so it is important to consult with a professional to ensure you get the mortgage that best meets your needs at the best price.

Are You Worried About A Down Payment?

Don't panic!!! There are many creative ways to come up with down payment funds other than FHA Loans:

  • My Community 100% Program
  • Flex 100% / 97% Program
  • Home Possible 100% Program
  • House America 100% (unverified income)
  • FHA Secure Refinance over 100% LTV
  • FHMLC Alt 100% / 97% (for declining market)

For a free, no obligation consultation with Leslie Gonzales of US Capital Home Loans, click here

 

 

 

Fixed rate mortgages

No 'out of pocket expense' programs

Adjustable rate mortgages

Imperfect credit programs

Graduated payment loans

Second mortgages

First time buyer programs

Home equity lines of credit

Stated income programs

FHA, VA, and Conventional loans

 

 

 

 

Use the mortgage calculators below to assist you in making some decisions around financing your new home.

Mortgage Qualification Calculator

This calculator will help you determine how much money you qualify to borrow. The results are informal. You will be subject to a credit approval from your financial institution taking into consideration existing debt load, amount of down payment, income and other variables.

Mortgage Payment Calculator & Amortization Table

This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. The amortization table shows what the interest and principal payments will be over the term of the mortgage.

3-2-1 Rate Buydown

See how your monthly payments can be substantially reduced by buying down your interest rate.