Let a Licensed Mortgage Broker Find the Right Mortgage for You.
Banks have few programs.
You need perfect and high credit to go to USAA, Wells Fargo, Veterans United, or your credit union.
And they load you up with one request after another.
Mortgage Brokers have 20+ Programs.
Low Scores may be OK.
Many options and leeway.
Call to Get Started.
Or go to my site and fill out an application.
The VA guarantees the loan.
It is for to veterans, active military, and surviving spouses.
The loan is underwritten and approved by the lender you choose.
A VA loan is the best program.
$0 Down Payment.
No Mortgage Insurance.
Lower rates.
You need your DD214 and your VA Certificate of Eligibility.
I work with lender, headed by veterans, that offers among the lowest VA interest rates in the business.
To get a mortgage, you need credit, money, and a loan officer.
CREDIT means 3 items: A credit score of 500.
Better at 580.
Current or open credit items such as credit cards or loans.
This is just as important.
And NOT terrible credit for the last 2 years.
There is a difference between a low credit score and poor credit.
TERRIBLE CREDIT is a car repossession the last 12-24 months.
Several late payments on credit cards.
Student loans in default or in collections.
Child support in collections.
A bankruptcy or foreclosure in the last 2 years.
Or several missed payments on credit cards or auto loans in the last 1-2 years following a bankruptcy.
With my lenders, you can go down to 500, I closed one VA Mortgage and the Vet had a 517 Credit Score.
Second, DOCUMENTED INCOME.
This can be pay stubs, military pay, w-2s, or tax returns if you are self-employed or VA benefits.
Third, a LOAN OFFICER to figure this process for you and get you to the right lender.
I will pay for your appraisal, saving you $550.
Get your Certificate of Eligibility.
And draft all the letters you need to write.
Buy.
Refinance.
Or take cash out.
STEP 1: GET PRE-APPROVED.
HOW: call me, or go to my site and fill out an application at ChrisLuis.
com
More INFO?: write me an email or text me.
A Pre-Approval Letter is the first step in house hunting.
Most realtors will not show you homes without one.
For a Pre-Approval Letter, you need to have your credit pulled and have your income verified.
Income verified is recent paystubs and 2 years of w-2’s.
Or your VA Award Letter.
SAME DAY PREAPPROVALS.
ChrisLuis.
com
941-219-4381
CALL OR APPLY IN LINE NOW and BE HOUSE HUNTING.
Offered in South Carolina, Florida, Texas & Pennsylvania.
Other loan programs available: FHA, Conventional, Investors, Bank Statements, and more.
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NOTICE REQUIRED BY LAW: This is not a commitment to make a loan.
Loans are subject to credit and money qualifications.
Not everyone receives a final approval.
Approvals subject to underwriting guidelines, interest rates, and program guidelines determined by a 3rd Party lender.
3rd Party lenders can change programs without notice.
Final approval decided by the 3rd Party Bank.
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