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Conventional loans are traditional mortgages not backed by the government, typically offering fixed or adjustable rates. These loans are ideal for borrowers with good credit and stable income, providing various term options to suit different financial situations.
Federal Housing Administration (FHA) loans are government-backed mortgages that are ideal for first-time homebuyers or those with lower credit scores. They offer lower down payments and more lenient credit requirements, making homeownership more accessible.
VA loans are exclusive to veterans, active-duty service members, and eligible spouses. These government-backed loans offer competitive interest rates, no down payment options, and reduced closing costs, providing a valuable benefit for those who have served our country.
Jumbo loans are designed for homebuyers needing to finance properties that exceed conforming loan limits set by Fannie Mae and Freddie Mac. These loans offer higher borrowing limits, allowing you to purchase high-value homes with competitive rates.
Non-Qualified Mortgage (Non-QM) loans cater to borrowers with unique financial circumstances that may not meet standard lending criteria. This includes bank statement loans for self-employed individuals and debt service coverage loans with no verification. These flexible loan options provide alternative financing solutions for diverse needs.
A reverse mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their home or make monthly mortgage payments. This financial tool can provide additional income during retirement, helping to cover living expenses, medical costs, and other needs.
A reverse purchase mortgage enables seniors to buy a new home that better suits their unique needs without the burden of monthly mortgage payments. This flexible option combines the benefits of a reverse mortgage with the ability to easily relocate or downsize, using the home’s equity to finance the purchase effectively.
Refinancing your mortgage with Angel Taipale can help you secure a lower interest rate, reduce your monthly payments, or access your home’s equity for other important financial needs. Our comprehensive refinancing options are designed to save you money and offer greater financial flexibility for your future goals.