Financing
Mortgages
Our lending partners are extremely knowledgeable and will help identify the best mortgage product for you and your family. Brief overviews of the most common types of mortgage loans are provided below. However, it is important to consult with a lender to understand both the limitations and benefits of each program available to you.
Conventional Mortgage: the traditional mortgage loan, generally for those with good credit scores and stable incomes. This option features down payments as low as 3% for certain buyers on most primary home properties, and also allows for the financing of second homes and investment properties
Adjustable Rate Mortgage (ARM): for those who have a higher risk appetite, these loans generally offer a lower interest rate for a short period of time, typically 3, 5, 7 or 10 years. After the initial time period has passed, the interest rate can move higher or lower. These loans are good alternatives for those who do not plan to stay in their home for a long period of time, or are not sensitive to interest rate changes. Minimum down payments are typically 5% or more.
FHA Mortgage: a great product for those with lower credit scores, this loan provides an affordable alternative for borrowers who may have derogatory credit remarks to purchase a primary home. The minimum down payment on an FHA mortgage is 3.5%. FHA mortgages are not available for second homes or investment properties
USDA Mortgages: loans for homes in certain rural areas that offer an attractive 0% down. These loans are reserved for those who have a tough time qualifying for other mortgage products and are not available in major suburban or urban areas
Jumbo Mortgages: products for those who are buying higher-dollar homes and will require loan amounts above the conforming loan limit, which can change yearly and differs by county. These loans typically require anywhere from 10-20% down and require higher credit scores
To find out which mortgage is best for you, please contact our Synergy Partner Delaney Besecker at FBC Home Loans.
Testimonials
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"Tanesha is simply the best. Her expertise and professionalism was far above anyone we have ever worked with. She definitely went above and beyond to get us our dream home."
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- Ernie Harrold
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"We have sold two properties with Tanesha and both experiences were professional and efficient with a personal touch. We are remote but Tanesha was our eyes and hands through the sales; she talked with us about our goals, how best to allocate our selling budget and gave lots of local market flavor. We got to know her through both transactions and are glad to be able to count her as a valued friend. She was always accessible and answered every question promptly. We would highly recommend her to anyone, buyer or seller."
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- Thomas Jones
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"My wife and I wanted to purchase a residential investment property and Tanesha was recommended by a friend. I must remember to thank our friend because Tanesha is a true professional in everything she does. From the moment we began looking at properties through closing she handled the details with precise planning and expertise. As a former custom home builder who has been involved with many real estate agents, she is the best I have ever worked with. Not only did she handle every detail with skill and timeliness, she was also a delightful person. We plan to purchase more investment properties in the future and there is no doubt that, when the time comes, we will call Tanesha."
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- Robert Rowan
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