You’re unique, and we love that. You need access to loans catered to your specific needs – we have that. Whether you are purchasing or refinancing, we offer simple loan options to meet your unique needs. Our way of assessing and qualifying borrowers allows us to offer personalized loan services that bridge the gap between the traditional and modern lending models, opening lending opportunities to a new demographic of home buyers. Click the options below to learn about the loan service that best meets your needs.
Not every borrower fits inside the traditional mortgage lending box, which is where non-conforming (or non-QM) loans come in. We specialize in these loans with a wide variety of options for you including limited tax returns, bank statement only, and if for an investment property, qualifying by using the rental income only. If this sounds like you, contact us to discuss the best strategy for you.
Conforming loans, sometimes referred to as conventional loans, need to meet specific standards set by the government-sponsored enterprises Fannie Mae and Freddie Mac. These loans are great for people with excellent credit because of their low interest rates. With conforming loans, there is a limit set for how much you can borrow, which for 2023 is set at $726,200. Contact us now to get a quote on rates.
Looking at a home that exceeds the conforming loan limits? If yes, then a jumbo loan is what you need. And, we have tremendous flexibility in our jumbo loan products with the ability to navigate around traditional guidelines that can be more restrictive. Contact us about jumbo loans today.
Renovations to your home can significantly increase the value of your home when the time comes to sell, but they can also be costly, especially if you plan to build your dream kitchen you’ve always wanted. But, a HELOC can make taking that wall down or getting a new roof a little easier since it allows you to borrow money as you need it. Renovating or just need a HELOC? Apply now.
Building something? We can help get the right loan for you.
We don’t only do purchase loans. Interest rates are always changing and we can help you secure a lower rate if available.
Bridging the gap between traditional and modern lending leads to a quicker loan origination process and widens the path of home ownership to a new market of borrowers.
Todd Orlando, Defy Mortgage