Larry J. Davis (NMLS #1085241), as a licensed loan officer, will help you...
- Qualify for a new home loan even if you have less-than-perfect credit. Unless you can buy your home entirely in cash, finding the right property is only half the battle. The other half is choosing the best type of mortgage, whether, FHA, VA, USDA, or a Conventional loan. As you’ll likely be paying back your mortgage over a long time, finding a loan that meets your needs and budget is important.
- Refinance an existing loan to reduce monthly payments, lower your interest rate, take cash out of your home for large purchases, or change mortgage companies. Usually, a smart move because the savings you get from a lower interest rate will eventually outweigh your closing costs.
- Qualify for down payment assistance programs administered by local or state housing authorities, nonprofit organizations, or directly through the lender that provides a set amount of money to qualified homebuyers to cover their down payment or closing costs.
- Reverse and Home Equity Conversion Mortgages (HECM) are a special type of home loan only for homeowners who are 62 and older. A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan.