Need financing options on a home or another real estate? Choosing a purchase loan program that matches your goals and ensuring you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a lot easier, with tools and expertise to help guide you along the way.
We’ll help you with the differences between loan programs, allowing you to choose the right one, whether you’re a first-time homebuyer or a seasoned investor.
To qualify for a mortgage, lenders typically require a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
VA and FHA loans even allow for higher debt ratios case-by-case basis.
Here’s how our home purchase loan process works:
1. Complete a Pre-Approval Application
2. Receive options based on your unique criteria and scenario
3. Compare mortgage interest rates and terms
4. Choose the offer that best fits your needs
Finding an outstanding home loan involves careful consideration of your needs, finances, and history. Not sure what loan is the best choice for you? Contact us, and our team of experienced lenders will work to find the best options for you and your budget. We are here to guide you.
We’ve been helping customers afford the home of their dreams for many years and we love what we do.
Xpert Home Lending, Inc. is a Real Estate Broker Licensed by the California Department of Real Estate DRE #02166758 NMLS: 2179191
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