MIG enjoys a reputation for delivering unparalleled service to homebuyers. Our experienced mortgage experts take pride in providing personalized service aimed at helping borrowers find the best solution for their home-financing needs. Yes, but with a lower credit score you can expect to pay a higher interest rate than a borrower with perfect credit.
We offer flexible terms and competitive rates tailored to meet your specific needs, making the financing process simple and hassle-free. Finance high-value properties like penthouses in Brickell or villas in Coral Gables. Our solutions have competitive rates and are customized to your needs. For investment property loans and commercial mortgages within Florida, we offer tailored solutions including DSCR loans and hard money loans, customized to fit your financial goals. A mortgage works by breaking your loan amount into smaller payments made each month over the life of the loan.
The FHFA limit for 2025 is $806,500, meaning you can use a jumbo loan to purchase a home worth more than that in many parts of the country. It specializes in VA mortgage lending but also offers FHA, conventional and jumbo loans. Truist offers fixed- and adjustable-rate conventional and jumbo mortgages, VA loans and FHA loans. It also offers specialty loans, such as doctor loans and construction-to-permanent loans. Northpointe Bank’s mortgages are best for borrowers who want a simplified and streamlined digital loan application process with many loan options. Rate offers mortgages with terms ideal for first-time home buyers.
- So, I will just keep it simple and say that we are 100% happy with Best Mortgage and gladly recommend them for your refinancing needs.
- Whether you’re a first-time buyer or a seasoned homeowner, this series makes understanding mortgages easy.
- It specializes in VA mortgage lending but also offers FHA, conventional and jumbo loans.
- That’s why we have to thoroughly document your income, assets and credit history.
- Bank of America doesn’t disclose its minimum credit score requirements, so it’s hard to know if you meet the lender’s standards without applying.
- Whether you are flipping a house or owning rental properties, our team ensures you have the necessary funds.
Loan Programs
This makes it a particularly good choice for those who are refinancing, because you can pick the exact term length you need. Most lenders only offer a small number of term options, such as 15-year and 30-year refinances. Bank of America is a very affordable mortgage lender, offering low rates and fees, plus a few different affordable homebuying programs for first-time and low-income borrowers. Although it offers several government-backed programs, Mr. Cooper doesn’t offer USDA loans. Additionally, its 1% rate markdown is only available on purchase loans for primary residences (jumbo loans, second mortgages and refinances don’t qualify). Mr. Cooper is an online mortgage lender and one of the largest mortgage servicers in the U.S.
Find the Perfect Program for You
Find out in minutes mortgage company how much you could borrow and receive a customized mortgage estimate — all without affecting your credit score. Our tech unlocks lower rates, higher chances of approval,and a lightning‑fast process from approval to closing. Answer a few quick questions so we can match you with the best mortgage options—fast, simple, and tailored to you. By entering your phone number, you consent to receive messages from Best Mortgage Inc. by SMS.
Terms Of Use
We are the #3 mortgage broker in the US, and #1 Mortgage Broker in Utah according to Scotman’s Guide. We want to be the most trusted, respected, and loved mortgage company in Utah. Information, dates, rates and program offerings are subject to change without notice. Bennett Capital Partners, LLC, is a licensed mortgage broker in Florida (NMLS # ) and not a lender. A fixed-rate mortgage gives you predictable monthly payments and a locked-in interest rate. An adjustable-rate mortgage (ARM) starts with a lower rate that can change over time.
- With this lender, you could get up to $7,500 in closing cost assistance and up to $10,000 in down payment assistance.
- If you decide to move forward, the lender will begin processing and underwriting your loan.
- Even more important to us is how everyone there is over-the-top, rediculously wonderful to work with.
- Many mortgage lenders now offer online applications and other services, even if they started as traditional brick-and-mortar lenders.
- The type of mortgage you choose, like a fixed-rate mortgage or an adjustable-rate mortgage, affects how your interest rate behaves over time.
Loan Types
VA loans offer great benefits like NO DOWN PAYMENT…easier credit qualifying…and no private mortgage insurance. Ultimately, the choice between using a mortgage broker or your bank as a lender depends on your individual needs and circumstances. You should consider factors such as your credit score, financial situation, and the type of mortgage you need before making a decision. Both mortgage brokers and credit unions can be good options for refinancing or purchasing a home.
I am a first time home buyer that had come to Rapid Mortgage. I can truly say that it was the best decision I made when purchasing my home. They answered all my questions were caring and personalized the experience. I have heard many people say that buying a home is a long process and can be frustrating. Thank you guys for being with me on this amazing journey of buying a home.
Best for Low Fees
In some cases, they may provide personalized service and flexible underwriting criteria. Additionally, credit unions offer additional financial products and services that can be beneficial to their members. With competitive commercial mortgage rates and personalized financing solutions, we ensure your real estate investments succeed. Our mortgage brokers provide tailored support to meet your unique needs, whether you’re expanding locally or looking to invest across Florida and beyond.
And if you still have your full entitlement, there won’t be a VA home loan limit, so you won’t have to make a down payment. Those with remaining entitlement must abide by VA home loan limits. Keep in mind that the VA home loan limit refers to the amount the VA will pay back to the lender if you default on the mortgage.
They’re widely available, rated by federal agencies, and easy to compare. But don’t overlook credit unions, local lenders, or a good mortgage broker. The best lender for you depends on your goals, your credit score, and the type of mortgage you’re applying for.
Rate
Conventional fixed-rate loans are available with a down payment as low as 3%. When you’re ready to lower your payment, pay off your mortgage faster, or consolidate debt, our online application will get you started fast. It was my first time refinancing my home and I felt very well-served through the entire process thanks to the communication and care of my loan officer and processor, Jeff Evans and Lisette Kennedy. I learned a lot as a young buyer and I ultimately trusted them throughout each stage. I was able to streamline the document uploads and email them whenever I had a question or concern.
Third-party resources, links, and external information are provided for convenience and do not constitute endorsement by Bennett Capital Partners. Content is for general informational purposes only and does not constitute legal, tax, or investment advice; please consult qualified professionals for guidance specific to your circumstances. While all of our top picks rank high in customer satisfaction, Movement Mortgage earned the number-two spot in J.D.