Obtaining A Loan

Choosing the Right Loan

Whether you’re buying your first home, looking for a new investment property, or are looking to obtain a VA loan, there’s lots of stress and complications involved in obtaining financing. That’s where I come in. I help my clients with all their Mortgage Lending needs so they can enjoy the fun and excitement of purchasing real estate. Contact me, Heath B. Hall, at 727-222-9964 or start by Applying Here.

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FHA

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.  Apply here.

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Conventional

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate. Apply here.

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Jumbo

A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by regulation. The jumbo loan limit is $417,000 in most of the United States. The limit on jumbo loans is $625,500 in the highest-cost areas. Apply here.

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VA

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses (provided they do not remarry) and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes and new construction. The VA does not originate loans, but sets the rules for who may qualify, issues minimum guidelines and requirements under which mortgages may be offered and financially guarantees loans that qualify under the program. Apply here.