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Modern Neighborhood


  • FHA requires 3.5% for the down payment and has an upfront and monthly mi(mortgage insurance)


  • FHA is NOT for first time buyers only

  • It does allow for a 100% gift to purchase

  • Sellers and builders can pay closing cost

  • It will allow for non-owner occupied co-borrowers

  • VA offers 0 down and 0 closing cost to borrower(VA no no)

  • Seller can pay all of the closing cost

  • There is a VA funding fee VA will allow the purchase of condo's s for, and 2-4 units Conventional Loans require anywhere from 3% to 20% down

  • 20% down or more is is required for investment properties

  • These are Fannie Mae and Freddie Mac products Credit is the first thing evaluated when it comes to getting pre-qualified.

  • The higher the credit score the better the terms of your loan

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Aerial View of an Estate Home


Determine what you could pay each month by using this mortgage calculator to calculate estimated monthly payments and rate options for a variety of loan terms .

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