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Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Reverse Mortgages

For homeowners to leverage the equity in their home.

FHA Home Loans

Popular for first-time homebuyers.

Refinancing

Replace your current home loan with a new one.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Fixed-Rate Mortgages

Offers predictability for your budget.

VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

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Things To Keep In Mind When Making An Offer On A Home


When it comes to buying a house, you’re looking for the perfect place to call home. The problem is, in today’s market there just aren’t that many homes available to purchase. With inventory hovering near record lows and sky-high buyer demand, a multi-offer scenario is the new normal. Here are some things to keep in mind when you’re ready to make an offer.

Know Your Budget

Having a complete understanding of your budget and how much house you can afford is essential. That’s why you should connect with a lender to get pre-approved for a loan early in the homebuying process. Taking this step shows sellers you’re a serious, qualified buyer and can give you a competitive edge in a bidding war.

Move Quickly

Today’s market is dynamic and fast-paced. A skilled agent will do everything they can to help you stay on top of every possible opportunity. And, as soon as you find the right home for your needs, that agent will help you draft and submit your best offer as quickly as possible.

Utilize A Realtor

While homebuying may seem like a whirlwind process to you, local real estate agents do this every day, and they know what works. That expertise can be used to give you a significant leg up on your competition. An agent can help you consider what levers you can pull to help your offer stand out.

Make Your Best Offer

We all love a good deal. In the past, offering at or near the asking price was enough to make your offer appealing to sellers. In today’s market, that’s often not the case. In such a competitive market, emotions and prices can run high. Use an agent as your trusted advisor to make a strong, but fair offer based on market value, recent sales, and demand.

Be Flexible

Be prepared to amend your offer to include flexible move-in dates, a higher price, or minimal contingencies (conditions you set that the seller must meet for the purchase to be finalized). Just remember, there are certain contingencies you don’t want to forego.

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