Purchase

Wide range of loan programs
Competitive rates and terms
Fast pre-approvals
Efficient, on-time closings

Refinance*

Cut your monthly payment
Lower your interest rate
Take cash out
Convert to a fixed rate

Conventional

The most popular mortgage for home purchasing and refinancing. They have competitive rates, down payments as low as 3%, lower costs than other loan types, and no upfront mortgage insurance fee. Conventional loans are privately backed and not insured by the federal government.

Jumbo

A jumbo loan allows borrowers to finance a loan amount that exceeds conforming loan limits set up by federal government. Used to purchase higher-value homes, jumbo loans have stricter credit score and down payment requirements along with higher rates and costs.
          

VA

VA loans feature no or low down payment, competitive rates, flexible qualification guidelines, and no mortgage insurance. VA loans are for active service members and veterans. A VA cash-out refinance allows you to take up to 100% of your home’s equity. A VA Interest Rate Reduction Refinance (IRRRL) requires no appraisal or income verification.          

FHA

Federal Housing Administration (FHA) backed mortgages have down payments that start at 3.5% and lower credit score requirements compared to conventional loans. Popular with first-time buyers, FHA loans have upfront and monthly mortgage insurance fees.

USDA

United States Department of Agriculture (USDA) insured mortgages feature no down payment, competitive interest rates, and relaxed qualification guidelines. Primarily used to purchase homes in rural areas, USDA loans have stringent income limits, and upfront and annual guarantee fees that work like mortgage insurance.

Home Equity Loans

Tap into your home’s equity and receive a single cash lump sum at a low-fixed rate over a set term. Make home renovations and repairs, consolidate debt, pay for college tuition, cover financial emergencies, or invest in more real estate.  

Residential

Single-Family Residences (1-4 Units)
Condominiums
Apartments
Townhomes

Commercial

Office Buildings
Retail Spaces
Warehouses
Light Industrial
Mixed-Use and Special Purpose Properties
Multi-Family Properties (5+ units)
Commercial Condominiums   

Fix and Flip Loans  

Buy and Renovate Non-Owner Occupied Property.
Finance up to 100% of Purchase and Rehab Budget
No Personal Income Verification
Relaxed Credit Score Requirements
Loan Amounts from $100,000 to $10 Million
No Prepayment Penalties

   

Bridge Loans

Short-Term, Temporary Financing until a Permanent Loan is Secured.
Up to 80% Loan to Value
No Personal Income Verification
Relaxed Credit Score Requirements
Loan Amounts from $100,000 to $7.55 Million
No Prepayment Penalties on One Year Loans

Rental Property Loans

Buy and Hold Property to Generate Rental Income.

Residential Properties (1-4 Units)
Purchase or Refinance: Up to 80% Loan to Value
30 Year Fixed Rate and ARMs
No Personal Income Verification
Loan Amounts from $100,000 to $10 Million
No Prepayment Penalty on One Year Loans

Competitive Rates 

Our company philosophy has been built around delivering the lowest possible interest rates and costs to our clients. Our mortgage rates are frequently lower than banks and other lending institutions, helping our clients save thousands in interest costs.

Transparency

We educate our clients with full transparency on how interest rates and costs are determined for their specific situation. This includes why they qualify for a certain amount, and if needed, what steps are needed to improve their qualifications in the future.

Service

We still think it’s incredibly important to have live communication with our clients. We are committed to phone calls never going to voicemail and always having someone available for you to speak with.

Mortgage Planning

Any good lender can provide a loan. We pride ourselves on going the extra mile and providing strategic guidance to make sure your short- and long-term financial goals are met.     

Scotsman Guide

United Wholesale Mortgage