MORTGAGE
STEPS TO GETTING
APPROVED
PRE-APPROVAL
FIND HOME & MAKE AN OFFER
LOAN SUBMISSION & RATE LOCK
HOME INSPECTION & APPRAISAL
UNDERWRITING & LOAN APPROVAL
CLOSING
YOUR DREAM HOME OR INVESTMENT AWAITS,
APPLY NOW
Purchase mortgage loans include common loan types such as FHA, USDA, VA, and Conventional loans. These loans are designed to help buyers finance the purchase of a home with options tailored to different financial situations and eligibility requirements. Whether you're a first-time homebuyer, a veteran, or looking for a loan with low down payment options, we provide expert guidance to match you with the right mortgage. Our team is committed to making the home financing process smooth and stress-free, ensuring you secure the best loan for your needs with competitive rates and personalized service.​ Are you ready to apply for a mortgage loan? Click Here!
Mortgage refinancing is the process of replacing your existing home loan with a new one, often to secure better terms. Homeowners typically refinance to lower their interest rate, reduce monthly payments, change loan types (such as switching from an adjustable-rate to a fixed-rate mortgage), or tap into home equity through cash-out refinancing. Refinancing can also help shorten the loan term, allowing you to pay off your mortgage faster. However, it’s important to consider closing costs, credit score requirements, and how long you plan to stay in the home to determine if refinancing is the right financial move. Are you ready to refinance? Click Here!
A DSCR loan is a type of mortgage designed specifically for real estate investors, where loan approval is based primarily on the income generated by the investment property rather than the borrower’s personal income. The DSCR measures the property’s ability to cover its debt obligations—calculated by dividing the property’s net operating income (NOI) by its annual debt payments. A DSCR of 1.0 means the property generates just enough income to cover the mortgage, while a DSCR above 1.25 is typically preferred by lenders. These loans are ideal for investors with strong rental income properties who want to scale their portfolio without using traditional income verification methods like tax returns or W-2s. Are you ready to build your investment portfolio? Click Here!
RESOURCES
Debt-to-income ratio (DTI) is the ratio of total debt payments divided by gross income (before tax) expressed as a percentage, usually on either a monthly or annual basis. As a quick example, if your monthly income is $1,000 and you spend $480 on debt each month, your DTI ratio is 48%.
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DTI is an essential indicator of a person's or a family's debt level. Lenders use this figure to assess the risk of lending to them. Click Here!
Homebuyers should watch mortgage rates daily because even small changes can significantly impact monthly payments and overall loan costs. Staying informed helps you lock in the best possible rate, time your purchase wisely, and make smarter financial decisions during the home-buying process.​​ Click Here!
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XPERT HOME LENDING, INC NMLS: 2179191