Did you know that if you can afford to rent, you can probably afford to own? With inflation, interest rates and rent predicted to continue rising, now is the time to buy and invest in a home of your own – an asset that will keep appreciating. According to the New York Times, rents on new leases climbed by 14.1 percent in the year through June.
Still not convinced? Here are the three basic factors for qualifying for a mortgage:
Income – With a full-time job or steady source of income, you’re off to a great start. Even if not, we offer many non-QM loan options to assist those that are self-employed, small business owners or gig economy workers.
Down Payment – First off, a 20% down payment is oftentimes not the case. Many programs will work with 5%, 3.5%, and in some cases, even 0% down. Some loan programs even cover closing costs for buyers.
Credit – You don’t need perfect credit to qualify for a loan! Even if there are a couple of dings on your credit report from past mistakes, our qualified Loan Originators are ready to work with your specific situation.
Call us today to see how far that rent payment you’re sending off monthly may get you with a home of your own!
Erik is so down to earth, easy to work with and very
responsive to texts and phone calls. The real estate business in a
"busy" business, but Erik always found time to find solutions and
communicate with my clients and with myself. Definitely will continue to do
business with him again.
Melissa S M
Scott was the reason I went with this company. He was always reachable, very knowledgeable and knew the market and provided great updates on what to expect.
Julie S
Billy does a great job and does an excellent job communicating.
Noe G M
I just liked a great job!
Raonel G B
Very professional team - great job!
Thomas J B
Todo perfecto!
Reinier T
Good loan officer! Always helping us out with any questions!
Julian A J
Scott is the only lender we will use. He is on top of everything and makes the process so smooth and stress-free. He goes above and beyond during the buying process and beyond that he reached out during birthdays and special events. We have learned through watching the people currently buying our house that not all lenders are like that. We appreciate Scott and his team so much!
Amber B
None. Everything went smoothly!
John M
Scott and his team were great to work with; any questions I had about my client were answered in a timely matter.
Felicia F
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