Your dream of owning a home is just a conversation away. Reach out to us today and let's begin the exciting process of finding the perfect mortgage for your future. Here are some of our standard loan product offerings, contact The Heikens team for current programs and benefits!
A standard home loan offered by private lenders without government backing. Typically, you might need a higher credit score and a down payment, but you have more flexibility in terms of property type and location.
An adjustable-rate mortgage (ARM) is a type of home loan where the interest rate can change over time. Usually, the initial interest rate is lower than with a fixed-rate mortgage, which means lower monthly payments in the early years.
A VA loan is for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. Typically no down payment is needed, and the interest rates are competitive. Plus, you usually don't need to pay for private mortgage insurance (PMI).
A USDA loan is a mortgage designed to help people in rural and some suburban areas buy homes. Typically, no down payment is needed, which can make it easier for people to become homeowners. The interest rates are often lower than conventional loans.
FHA loan is insured by the Federal Housing Administration (FHA), and often have lower down payment requirements, allowing you to buy a home with a smaller upfront payment. They're also more accessible to people with lower credit scores.
Available to individuals who have never owned a home before or haven't owned one in three years or more. Benefits include lower down payments, lower interest rates, and special programs to make homeownership more accessible for first-time buyers.
Connect with the Heikens Team to find the best strategies for your specific financial situation and goals. We can provide more detailed information to help you make an informed decision.
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