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A conventional mortgage loan is not insured or guaranteed by a government agency such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). These loans typically require a higher credit score and a larger down payment compared to other loan types. Conventional loans offer flexibility in terms of loan terms and interest rates, and they are suitable for borrowers with good credit and financial stability.
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans are guaranteed by the Department of Veterans Affairs and provide favorable terms and low or no down payment options. VA loans offer competitive interest rates and flexible qualification standards, making them an excellent choice for those who have served in the military.
An FHA loan is insured by the Federal Housing Administration, making it more accessible for borrowers with lower credit scores or a limited down payment. These loans are popular among first-time homebuyers who may not qualify for a conventional loan. FHA loans have specific requirements, such as mortgage insurance premiums, and they offer competitive interest rates and flexible qualification criteria.
Homeowners can access their home equity by refinancing their mortgage for a higher amount than what is owed. This provides cash at closing, which can be used for purposes like home improvements or debt consolidation. Consider the costs, interest rates, and impact on the mortgage carefully. Consult a mortgage professional for specific requirements and benefits.
My name is Joe Valencia, and I am a Mortgage Loan Officer with United Wholesale Lending, based in the beautiful city of Sacramento. With more than 20 years of experience in the mortgage industry, I have had the privilege of assisting countless individuals and families in achieving their dreams of homeownership. I am passionate about providing personalized guidance and tailored financial solutions to each client, ensuring that they make informed decisions that align with their long-term goals. My commitment to excellence and dedication to customer satisfaction have earned me a reputation for professionalism and integrity within the industry. Whether you are a first-time homebuyer or a seasoned investor, I am here to guide you every step of the way. Contact me today, and let's turn your homeownership dreams into a reality.
This Licensee is performing acts for which a real estate license is required United Wholesale Lending – Joe Valencia is licensed by the Bureau of Real Estate. NMLS: 2136253 and BRE: 02130206. Loan Approval is not guaranteed and is subject to lender review of information. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change with market conditions. United Wholesale Lending – Joe Valencia is an Equal Opportunity Mortgage Broker. United Wholesale Lending – Joe Valencia is approved to originate VA and FHA loans, and has the ability to broker FHA and VA loans to approved lenders. United Wholesale Lending – Joe Valencia is not acting on behalf of or at the direction of HUD/ FHA or VA. The Services referred to herein are not available outside California.
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