Amanda StaplesNMLS #: 2182270

Loan Types

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    Conventional Loan

    Conventional loans are for borrowers with credit scores above 620 and only require 3% down. A conventional loan is one that is not guaranteed or insured by the Federal Housing Administration (FHA), the Farmers Home Administration (USDA), or the Department of Veterans Affairs (VA)

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    FHA Loans

    FHA loans are intended for borrowers with low-to-moderate income who are unable to make a large down payment. These loans permit the borrower to borrow up to 96.5% of the home's value.

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    VA Loans

    VA loans are one of the most powerful mortgage options on the market for Veterans, active military and surviving spouses.

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    Refinancing is frequently used to reduce your interest rate. If interest rates have fallen since you last financed your home, you should think about refinancing. Paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan, or extracting cash equity from your home are all common reasons to refinance.

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    Non QM Loans

    These loan terms are designed for those who don't meet the requirements of a standard loan program. Built for the self-employed, investors, and Foreign National Borrowers Programs.

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    Down Payment Assistance (DPA)

    Down payment assistance comes in the form of grants, loans and other programs. It is usually reserved for borrowers who are first-time home buyers. Your household income and credit history determine eligibility, which varies by state and program.

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    First Time Home Buyers

    Purchasing a first home is a major milestone in life but the mortgage process can feel a little bit overwhelming. The paperwork, requirements and fees can be complex and confusing. I am are here to help.

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    Credit Repair

    A sentence about the loan type goes here.

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    JUMBO Loans

    A jumbo loan, also known as a Jumbo Mortgage, is a non-conforming loan that exceeds $647,200 or $970,800 in high-cost areas.

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