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Committed to Finding Your Perfect Mortgage

Regardless of Your Financial Situation

We offer a variety of mortgage products for you to get the mortgage that you need. We understand that everyone’s credit profile is different, so we offer products for borrowers with perfect credit as well as those with challenged credit.

We are affiliated with over 50 Mortgage Lenders to offer the following products:

Conventional Loans

A conventional mortgage or conventional loan is a home buyer’s loan that is not offered or secured by a government entity. It is available through or guaranteed by a private lender or the two government-sponsored enterprises—Fannie Mae and Freddie Mac.

FHA Loans

Federal Housing Administration Loans (FHA) are used to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance or become homeowners.

  • 3.5% down payment required – can be a gift
  • Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.
  • Seller can contribute up to 6% of the borrower’s closing costs.
  • Credit scores as low as 580 (or as low as 500 with 10% down)

VA Loans

United Home Loan Services, Inc. is proud to offer those who have served or are currently serving the Veteran’s Affairs (VA) loan. The VA loan is an excellent loan that assists our nation’s veterans with obtaining homeownership.

  • Up to 100% financing available.
  • No monthly mortgage insurance.
  • Seller concessions up to 4% of the reasonable value of the property.
  • Credit scores as low as 580 (or as low as 500 with 10% down)
  • Surviving spouse may be eligible, as determined by VA.
  • Must be a Veteran, Active Duty Military, or member of the Reserves

ARM Loans

This product is designed for sophisticated borrowers who may not expect to be in the home for a long period of time. The adjustable-rate mortgage is fixed for a period of time and can adjust thereafter.  Since the interest rate may rise over time, it is not recommended for every borrower. Interest rates can be fixed for three, five, seven, and ten years.

USDA Loans

The USDA loan provides low and moderate-income borrowers with better affordable housing finance options with little or no down payment or out-of-pocket costs. The property must be located within a USDA designated area.

  • 100% financing available to qualified borrowers.
  • Seller can contribute up to 6% of the borrower’s closing costs.
  • Flexible mortgage guidelines.
  • Income and property restrictions do apply.
  • Credit scores as low as 580.

Non-Qualified Mortgage (Non-QM)

A Non-QM Mortgage is a home loan designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don’t have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.

  • 12 or 24 Months Bank Statements
  • 1099 Income allowed
  • No Ratio
  • N/O/O First time investors OK
  • Collateral Based Loan / DTI NOT CALCULATED
  • 30- or 40-year Interest Only

Jumbo Loans

The jumbo mortgage product is a loan amount above $548,250; we offer several options for these types of loans.

203K Loans

The FHA 203k renovation loan program provides funds for both the purchase and renovation of a home packaged into one mortgage loan. Once the purchase of the home is closed, renovation funds are held in escrow to pay for pre-determined renovation work done by approved renovation contractors.

Get Started Today

Contact our team today to learn how United Home Loan Services can help you.

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