Whether you’re looking to make a move in 10 days or 10 months… We can help eliminate stress, surprises, and uncertainty. Buy a Home the easy way with our Shop with Confidence Pre-Approval. We’ll create a personalized roadmap that fits your journey and goals.
Let our financial expertise work to your advantage. We work with over 100 mortgage lenders to get the best mortgage rates & loan programs for you. Check out our Step-By-Step Homebuyer Guide to start your home buying process.
Want to Estimate Your Monthly Payments?
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Our 10 minute streamlined home loan application process gives you the tech to make it fast and easy.
We’ll help you clearly see differences between different scenarios & loan programs to compare to choose the right one for your goals.
We work with you to run scenarios with you on homes you’re considering & agent on offer acceptance, then to final loan approval.
You are Clear to Close.
Attend Closing Day and sign real estate and loan docs. Receive your keys, and move in to your new home!
Estimate Monthly Mortgage Payments for Purchasing a Home, Run Home Affordability Scenarios, Debt-To-Income Ratios, etc.
Single Family Homes
Single-family homes are freestanding residential buildings. A single family home doesn’t share a wall with another building.
A single-family homeowner typically owns the building and the land the building sits on.
Semi-detached homes (“twin”, “paired”, “duplex” homes) are a single-family dwelling that share a common wall. Unlike a townhome, where you may have a neighbor on both sides of your home, semi-detached homes share only one wall, and the home design typically mirrors each dwelling.
Condominiums – Condos
Condominiums, or Condos for short, are buildings made up of individual units that are attached. They can look and feel like an apartment building or community. Unlike with an apartment, a condo owner owns the interior space of their unit and is building equity with every mortgage payment. Members hold rights within the Home Owner’s Association (HOA) and are assessed period dues for operational expenses. It is advised to review the HOA docs and financials to make sure there is nothing of concern.
If looking at an FHA loan, USDA loan*, or VA loan it is important your agent makes sure the Condo Community/HOA is approved**.
*USDA typically uses a HUD or VA approval
**Not required for Conventional loans, however a condo questionnaire is usually required to review financial risk.
Townhomes
Townhomes are multi-floor homes with their own entrance, bathroom and kitchen space. Townhomes share two walls with neighbors unless the townhome is located at the end of a building.
Unlike a condominium unit, a true townhome will have a lot and block number (land) in its legal description, and therefore does not need to be a HUD approved community for an FHA loan, USDA loan, or VA loan.
Note: If the community is referred to in the legal description as being a condo, it could be subject to HUD/FHA or VA condo eligibility.
Manufactured Homes
Manufactured homes are homes built in factories, according to standards set by the U.S. Department of Housing and Urban Development or HUD. They are affixed to a chassis and can be installed in both permanent and temporary locations.
Manufactured homes built before June 15, 1976, are often called “mobile homes” and have looser construction standards than HUD requirements. As such “Mobile homes” are not considered “real estate property” and are regulated by the DMV, rather than HUD.
You can typically get a mortgage on a manufactured home if it meets the following:
1) HUD Tag (or record proof of one)
2) It is permanently affixed to a foundation (not on leased or temporary land) and it has never been relocated
Modular homes (prefabricated) are built in a factory to 80-90% completion and then moved to the build site for final completion and are considered real property like any other on-site home construction.
Our Concierge-Level Service will leave you feeling well taken care of! We’ll provide you with a strategic game plan that gives you peace of mind in your decision and an strategic edge in negotiating an offer and securing the perfect home with best rate, loan program, and mortgage options.
Whether you are a first-time homebuyer, a seasoned home buyer, or you prefer to speak with someone to get more information and esearch your options, we are happy to guide you so you can make smarter informed financial moves.
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