All Things Loans

 

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To Help Your Find The Perfect Loan

A home is one of the biggest purchases of your life. That makes choosing the right mortgage loan a critical step in the home purchasing process. Our goal at Lend Smart Mortgage, LLC is to help you find the right home loan.   Getting a quote is quick, simple and confidential.  Click on one of the links if you’re looking to purchase or refinance

Conventional Loans

A conventional loan is any mortgage that is not guaranteed or insured by the US government, such as VA, FHA and USDA. When most people think of a mortgage, they’re thinking of a conventional loan. Conventional loans are the closest you can get to a ‘standard’ mortgage. There are no special eligibility requirements, pretty much all lenders offer them, and you can qualify with just 3% down and a 620 plus credit score.

Down Payment as Low as 3%

No PMI with 20% Down Payment

Can Be Used for 2nd Home or Investment Property

Lower Interest Rates with Good Credit Borrowers

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FHA Loans

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). FHA insurance protects mortgage lenders, allowing them to offer loans with below-average interest rates, easier credit requirements, and low down payments.
FHA loans are more popular with first time, lower-income, and/or lower-credit home buyers, thanks to their flexibility and low rates. But FHA financing isn’t limited to first time home buyers

Down Payment as Low as 3.5%

More Lenient Credit Scores for Buyers

First Time Buyers Welcomed

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VA Loans

A VA loan is guaranteed by the United States Department of Veterans Affairs (VA). The program is designed for American veterans including U.S. military, reservists and select surviving spouses (provided they do not remarry) and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes and new construction. The VA does not originate loans, but sets the rules for who may qualify, issues minimum guidelines and requirements under which mortgages may be offered and financially guarantees loans that qualify under the program.
The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.

No Required Down Payment

Relaxed Credit Standards

Competitive Rates No Mortgage Insurance

Waived appraisals in some cases

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USDA Loans

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. They are issued through the USDA Rural Development Housing Program by the Unites States Department of Agriculture. Despite the name, many suburban areas qualify for USDA financing too. Find out if your home is in a designated rural development area. If so, you may qualify for one of the best mortgage programs available.

No Required Down Payment

Low Fixed Interest Rates

No Prepayment Penalty

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Reverse Mortgages

A reverse mortgage is a specialty mortgage loan that allows homeowners sixty-two years of age and older to tap into the equity in their homes. Payments can be received as a one-time lump sum, monthly payments either for a set period of time or for as long as the borrower lives in the home, or as a line of credit that can be accessed as needed. The homeowner does not need to repay the loan in part or in full until he or she is no longer living in the home as a primary residence.

Maintain Ownership of Your Home

Access Equity in Your Home

Tax Free Cash – Pay Off Debt

No Regular Mortgage Payments

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Down Payment Assistance

Down Payment Assistance Programs are available for certain first time home buyers”. Programs vary by state and/or county but many first time buyers can qualify for down payment grants or loans to help with down payment and closing costs related to their mortgage. In most cases, income restrictions do apply.

No Required Down Payment

Low Fixed Interest Rates

Flexible Underwriting Guidelines

Possible Loan Forgiveness

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Jumbo Loans

Jumbo loans are for those borrower with higher loan amounts. Generally speaking, jumbo loans are loans over $548,250 starting in 2021. That amount can vary depending upon the state in which you are borrowing but that dollar amount is the Fannie Mae and Freddie Mac conforming loan limit. Jumbo loans can be seen by servicers as a slightly more risky product so documentation requirements may be more stringent.

$510,400 Or Higher in Most Areas

No Mortgage Insurance Requirement

Stricter Requirements

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Leverage the technology offered by Lend Smart Mortgage, LLC to obtain the best mortgage loan results and move intro your dream home before you know it.

Purchase – Refinance

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