Mortgage Services for Homebuyers
First Time, Families, Singles, Self-employed, Retiree, and everything in-between
Residential Mortgages
You want to think about 3 bedrooms, 4 bedrooms, square footage, and outdoor space.
You don't want to think about W2s, Credit Checks, and Tax Returns.
Let me help you get pre-approved for a mortgage upfront! I will pull your credit, look at your job history, and see what assets you have. I will give you a straightforward answer on what you qualify for and the best mortgage product available for you!
And if you can't qualify to purchase right now, I will recommend HUD approved housing and credit counseling services that can help you with credit, student loans, down payment, and budgeting.
In other words, if you can't purchase today, I will put you on a path to purchase as soon as possible!
If there is a charge for any of the services you choose, I will provide a credit back to you at your mortgage closing for some or all of the services needed to get you Mortgage Ready.
List of Services
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Conventional LoansList Item 1
Conventional loan terms can be anywhere from 10 to 30 years. The terms can have an adjustable rate or a fixed rate, depending on the type of loan. 1st time Homebuyer programs that allow down payment assistance available also!
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FHA Loan
FHA Loans only require a 3.5% downpayment, interest rates are lower than conventional, debt to income ratios can be higher than conventional mortgage DTI, and these mortgages are assumable!
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VA LoansList Item 2
VA loans offer 100% financing on lower interest rates for veterans and these loans can also be assumable. Even if you are in the National Guard, you can be eligible!
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USDA Loans
USDA loans provide 100% financing and are specified to rural areas that can be found on the USDA eligiblity map. Income restrictions based upon family size do apply.
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Renovation and Construction/Perm Loans
Renovation loans are available for existing homes on all loans noted above with varied restrictions. If you can see the vision of the home past the present look, this may be for you! Also, construction/perm loans, though limited, are available to build from the ground up.
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Non-QM (Qualified Mortgage) Loans
These are portfolio conventional loans that can be used for unique circumstances such as a recent derogatory event like a bankruptcy, foreclosure, short sale or even income with inconsistencies. 20% is commonly required down payment. Minimum credit scores do apply.
About Close With Pam & Tara
Home Loan and Mortgage Services
Resources at Clients2Homeowners.com to get challenged clients "Mortgage Ready"!
Mortgage Services for Homeowners
Families, Singles, Self-employed, Retiree, and everything in-between
Get Mortgage Ready with Pam & Tara
Overcome common mortgage roadblocks and get Mortgage Ready!
Services are available directly to prospective homebuyers, real estate agents, and loan originators. Learn more about the four most common Mortgage Ready roadblocks.
Down Payment Assistance
If you want to buy a home but don't have much in savings, down payment assistance can help!
There is specific criteria to qualify for these loans and you may be required to cover some out of pocket costs. But being able to cover down payment and closing costs yourself can make your home offer competitive with cash buyers and home flippers!
Budgeting
This seems like an area that most prospective homebuyers should already know about, but budgeting for a home, budgeting for home expenses, and budgeting for life can be a lonely task.
Budgeting help is especially valuable to millennials who don't often have this form of education provided in school.
Help With Credit
Dealing with credit issues that require attention to detail to get fixed as well as help interacting with creditors is a primary issue that faces pre-purchase clients stalled from purchasing a home.
Learn more about person-to-person resources that can help. Get your credit fixed and get into your new home!
(NO, this IS NOT credit repair!)
Student Loan Relief
Student loan debt relief is a growing need.
Often, clients with student loans learn that the loan payment is counted on a mortgage even if it is deferred. And each mortgage type has different criteria when qualifying. I provide these differences for you. Learn how you can get a refinance for student loans whether payments are current or in default.
Residential Mortgage Calculator
Know your principal and interest payment upfront.
- Add monthly taxes, insurance and HOA to estimate whole payment!
- PMI payment is needed if less than 20% down!
Close With Pam & Tara Updates and News!
Find out what is happening in the mortgage industry.




