Purchase.
The best part.
When you find that special home, the best moment is not seeing where the new big-screen will go. Or the updated kitchen. Or the sprawling backyard.
It’s taking your kids upstairs to see their brand new room.
If your family is thinking “new home” or needs a pre-qualification, we hope you’ll consider us. We’re always available. We do all the work. And we have some major direct lender advantages that allow our clients to potentially reap the rewards of lower rates, quicker closings, and ultimately money saved for your family.
Here’s the deal!
We think new home purchases are going to get hotter this year – and so, we want to excite YOU… to use US. It’s why we’re officially kicking off our United Faith Mortgage $1,000 Closing Cost Thank-You. For any NEW HOME PURCHASE, we will now pay $1,000 of your closing costs.
We’re trying to make the decision of who to use, easy. We hope it’s working.
New Programs
THE NEW SELF-EMPLOYED PROGRAM
It’s always been quite a bit tougher for those self-employed to get qualified for a mortgage. But today, we believe we’re changing that with a brand new program that NOW allows us to qualify you based your bank statements, NOT based on your tax returns or end income. Altogether, we believe this new program is going to be a game-changer for anyone who is self-employed.
THE NEW DOWN-PAYMENT ASSISTANCE PROGRAM
Currently, the minimum down payment needed for a new home purchase is 3.5%. Until now. Our new down payment assistance program will allow you to now put 0% down on your new home. You will still need to pay traditional closing costs – like you would on any loan – but you will not need any money towards a down payment. For many, this savings will go a long way in allowing them to be a homeowner.
*The Down Payment Assistance Program unfortunately is not available in the states of New York or Washington.
Loan Types
FIXED RATE LOANS
Stability. No fluctuation or scary jumps in your payment. Making it easy to budget…and plan for your future. Get the lowest rate and payment possible, and then trust it won’t ever go up.
ADJUSTABLE RATE LOANS
Adjustable rates can save you some NOW money with lower rates & payments. And can be a good option if you plan to stay in the home for less than 5-7 years. Or if rates are high and almost certain to fall.
Arm Loans are fixed for a time and then adjust based on current rates. So they can be really advantageous. And should also be approached with wisdom.
FHA & CONVENTIONAL FINANCING
If you have lower credit than you’d prefer or if you’re looking to put the minimum of 3.5% down on a home purchase, the government-insured FHA loan is an amazing option. Usually, a Conventional Loan requires a larger down payment, but can help you pay less each month, even if the rate is the same.
What do I qualify for?
How much should I put down as payment?
What are the different loan types?
The key is considering the ENTIRE situation of your family. And making the wisest decision that you feel good about. We think you’ll find that our recommendation will be safe, sound, & trusted. And that we’re only fighting for you.