What is a Credit Freeze?
FHA and VA Loans
FHA and VA Loans
Affordable options for homeowners.
Federal Housing Administration (FHA) loans and Veteran’s Administration (VA) loans offer considerable advantages to qualified homebuyers. These loans can be a great option for first-time buyers and individuals with little savings, as they require lower costs and lower down payments than traditional mortgages.
FHA Loans are insured by the Federal Housing Administration (FHA), and typically require lower down payments than traditional loans. FHA loans are open to anyone who meets FHA credit qualifications, which are more flexible than those for conventional loans.
VA Loans are secured through the Veterans Administration and is one of the few remaining no down payment mortgage programs. VA loans can be used to purchase or refinance your home and are available to eligible Veterans – active duty, reservist, retirees, and surviving spouses
Start the loan process with our easy online application.
You can also call 805.543.1816 or email our Mortgage Team.
Home Buying
From the News+ Blog
How to Boost Your Credit Score Ahead of Your Home Loan Preapproval
When it comes to buying a house, poor credit can limit your opportunities and result in higher interest rates and bigger payments. But with a little planning, you can boost your credit score ahead of your home loan pre-approval so you’ll be ready to make an offer on your dream home.
What’s the Difference Between Pre-approved & Pre-qualified?
Buying a home? You’ve probably heard that getting pre-approved or pre-qualified for a loan is an essential step forward in the process. But what’s the difference?
Mortgage Points: What You Need to Know
What are mortgage points and are they right for you? Mortgage points are basically discount points. When you’re getting your home loan, you can buy mortgage points to lower your rate and save you interest in the long run.
Shawn
Dan
Mary
Jennie
Mary
Lanie
Greg
Stacey
Aja
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
