Financing used as a means of purchasing a property/dwelling for primary use, second home use, or as an investment.
Financing that replaces existing financing, in most cases as a means of receiving a more competitive interest rate, reducing the amount of years remaining on a loan, eliminating mortgage insurance, or receiving cash from a homeowner’s equity.
A loan secured by a property/dwelling provided to a homeowner in a lump sum and normally at a fixed interest rate. A homeowner can access up to 100% of their equity.
Home Equity Line of Credit (HELOC)A revolving line of credit secured by a property/dwelling. Rates are usually variable/adjustable, with options for interest only payments. Limits as high as 100% of the homeowner’s equity.
A home loan that is not backed, endorsed, guaranteed or insured or sponsored by a government agency for competitive borrowers.
A loan for a property that is insured by the federal housing administration (FHA) for homeowners that protects lenders from financial risk.
a home loan that is guaranteed by United States Department of Veteran Affairs (VA) that protects lenders from financial risk.
Allows a borrower to refinance an existing FHA loan or VA loan to a lower interest rate without income verification or an appraisal.
A type of refinance that allows a borrower to obtain a lump sum of cash from their equity without adding a 2nd monthly payment (like a home equity loan or HELOC). Can be FHA, VA or Conventional.
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Checking eligibility will not affect your credit score.
Completing the questionnaire will assess your home loan eligibility, allow you to review estimated offers if eligible, and will not impact your credit score. If you accept a proposal, a one-time credit inquiry will be required which may impact your credit score
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Ron treated us like we were his only clients. He was on top of everything and got back to us within minutes of our when we had questions.
Ron Hibbs went out of his several times to take care of my needs, he gets the job done !!!
Ron was excellent through the process. Kept us updated often through the process and got us a great rate.