Whether you are buying a home for the first time, purchasing an investment property, looking to renovate, or refinancing your home loan, our commitment to you is to leverage our experience to navigate the complicated marketplace and find the highest quality home loan that fits your unique situation and needs. Our team is not only dedicated to finding the right loan for you, but we will also ensure you are getting some of the lowest mortgage rates available. We pride ourselves on the collaborative relationships we build, and through every branch of our lending family, you will experience exceptional quality from start to finish.
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
2024-01-16
Great communication
Martha E T
2023-11-01
Erik made everything so easy from start to finish and communicated efficiently.
Lourdes G
2023-09-08
Erik, Thank you for a great experience. The communication was grand, the weekly updates were on time as well as your answers to our questions... Grateful for a smooth closing in under 30 days. Looking forward to the next transaction.
Lucy G
2023-09-01
The communication that Erik had with me. He always answered calls and was very informative. Hands down the best lender I have ever worked with.
Marco A M
2023-08-29
Let’s Stay Connected!
"ON TIME AND AS AGREED!"
"On Time and As Agreed!" It’s not just a motto, it is a promise. At InterLinc Mortgage Services, we believe that in order to deliver the “service without exception” experience to each and every one of our clients, we must have the ability to manage every aspect of the mortgage process. As a mortgage company, we provide in-house origination, processing, underwriting, and closing. By using this full-service approach, we do not have to rely on anyone but our own team members to fulfill our commitment to you and get your loan closed “On Time and As Agreed!”
A conventional loan, or "traditional" loan, is a conforming mortgage that follows the guidelines put in place by Freddie Mac and Fannie Mae.
Multiple Terms Available: 15, 20, 25, & 30 Years
No mortgage insurance with down payments greater than 20 percent loan-to-value
This is a universal product, so it's easy to shop around and compare
This loan generally offers lower rates if you meet the loan requirements
620 min FICO
Down Payment Options: - 3% First Time Home Buyer
- 5% Primary Residence
- 20% Investment Property
- 10% 2nd Home
Max Loan Amount $766,550
Low Down Payment
A conventional 97% LTV (loan-to-value) loan is similar to the traditional conventional loan; however, this specific program allows prospective home buyers to purchase a home with only a 3% down payment. To qualify, the following guidelines must be met:
Loan amount may not exceed $766,550
Must be a one-unit, single family dwelling
Must be the owner's primary residence
At least one borrower has not owned a home in the last three (3) years
Must be a fixed rate mortgage
Minimum FICO score of 620
*Other restrictions may apply.
A conventional 97% LTV (Loan-to-Value) loan is an attractive option to first-time home buyers as the qualifying guidelines typically meet their home buying profile. Another benefit of this loan program is that it allows for its entire 3% down payment to come from gifted funds; however, the gift must come from a person related to the borrower by blood or marriage, or the borrower's legal guardian, domestic partner or fiance/ fiancee.
A great government-backed loan for first-time homebuyers or those with higher debt-to-income ratios. FHA loans have flexible qualifications and only require a small down payment.
Seller Contributions: Up to 6% of sales price (toward closing costs prepaids)
Gift funds allowed
No first-time homebuyer requirements
Purchase and rehab financing available
Lower minimum down payment requirements
580 Min FICO
Max loan amount $498,257 (can vary per county)
FHA Mortgage Loan Limits website: https://entp.hud.gov/idapp/html/hicostlook.cfm
Minimum Required Investment (MRI) of at least 3.5 percent of the Adjusted Value.
1.75% UFMIP (Up Front Mortgage Insurance Premium)
.85% MIP (Monthly Insurance Premium)
A VA loan is a mortgage option, guaranteed by the Department of Veterans Affairs, for Veterans who meet the VA's guidelines for military service. VA loans offer low upfront costs for Service Members, Veterans, and eligible surviving spouses.
No down payment required (unless the purchase price exceeds the reasonable value of the property)
No monthly mortgage insurance (PMI)
Gift funds allowed
No cash reserve requirements
Seller pays for any required repairs & can pay for closing costs
No pre-payment penalty
*To determine your eligibility to participate in this program, just provide your Certificate of Eligibility (COE) or your Discharge/Separation form (DD214). If you do not have your COE, you can request one using form 26-1880.
USDA Loans are available to millions of eligible primary home buyers with low to moderate incomes. For homes located in an approved rural area as defined by the USDA. USDA Income and Property Eligibility Site: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
100% financing
No down payment required
Possibility of financing your closing costs
600 Min FICO
Max Loan Amount $726,200
Seller Contribution 6% of Sales Price
This mortgage option was developed to promote the purchase of homes in rural areas with low mortgage insurance. USDA Loans are backed through the Rural Housing Division of the U.S. Dept. of Agriculture.