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Loans

Financing a home can be a very challenging task, but it should not be a difficult one. We have access to numerous lenders to help find the perfect fit for your scenario. Whether you are a first time home buyer, purchasing investment property, or refinancing your home, the Realty Group is an experienced mortgage broker that will make the process straightforward and simple.

Type of Loans offered:

• Conventional Loans

• FHA Loans

• VA Loans

• We offer these types of loans for both purchasing a property as well as refinancing your existing home loan.

The Loan Process:

What you need to get prepared for the loan:

• Previous 2 years Tax Returns (1040’s with all schedules)

• Previous 2 years W2’s (From Employer)

• Previous 2 months Bank Statements (All pages)

• 2 Current pay stubs

• Proof of Driver’s License and Social Security Card

• Completed Loan Application

The Steps in the Process:

• Gather documents. (above)

• Submit loan to Underwriting. (48-72 hour turn time)

• Receive conditional loan approval.

• Order appraisal.

• Satisfy all loan conditions until we are “clear to close”.

• Sign loan documents.

• Loan funds and records. (Approximately 30 day turn time)

FAQ:

What do I qualify for?
That all depends on your credit history and the amount of income you make.

I just graduated from college and only been at my job for a year, can I qualify?
Yes, provided that your job is within the same field of study you had in College.

Can my parents give me the money I need for a down payment towards buying a house?
Yes, as long as they indicate that this money is a “gift” with no repayment terms.

What is PMI?
PMI stands for “Private Mortgage Insurance” and is in place whenever you borrow more than 80% of the purchase price.Its use is to protect/insure the lender in the event you default on your payment.

ONLINE LOAN APPLICATION

Begin the secure online loan application process.