One Loan, Multiple Uses – Covers the home's purchase price and renovation costs.
Lower Down Payment – FHA-backed loans typically require as little as 3.5% down.
Flexible Renovation Coverage – Funds both minor updates and major structural repairs.
Increased Property Value – Improve and customize your home while building equity.
🏡 Structural repairs and foundation work
🛠 Kitchen and bathroom remodels
🔧 Plumbing, electrical, and HVAC system upgrades
🏗 Room additions and expansions
🎨 Flooring, roofing, and cosmetic improvements
Interested in learning more? Contact us today to explore your options!
The HUD 184 Loan Program is a government-backed mortgage specifically designed to assist Native American and Alaskan Native homebuyers in achieving homeownership. With flexible underwriting and low down payment options, this program provides an affordable path to purchasing or refinancing a home.
Low Down Payment – As little as 2.25% down for loans over $50,000.
Flexible Credit Requirements – Designed to accommodate a variety of financial situations.
Competitive Interest Rates – Backed by the U.S. government for more favorable terms.
Available for Various Property Types – Purchase, refinance, construction, and rehabilitation allowed.
🏡 Members of Federally Recognized Tribes
📍 Homes in Eligible Areas – Including tribal trust land and certain off-reservation locations.
💰 First-Time and Repeat Homebuyers – No restrictions on prior homeownership.
Buying a home with zero down payment is possible with a 100% FHA Down Payment Assistance (DPA) Loan. This program helps low-to-moderate-income borrowers cover their entire down payment through grants, second mortgages, or other assistance programs, making homeownership more achievable without the need for significant upfront cash.
No Out-of-Pocket Down Payment – Assistance covers the full FHA-required 3.5% down.
Flexible Qualification Requirements – Designed for first-time and repeat homebuyers.
Lower Credit Score Considerations – More lenient guidelines compared to conventional loans.
Multiple Assistance Options – Grants, forgivable loans, and second mortgages available.
Stable & Affordable Home Financing – Government-backed security with competitive rates.
🏡 First-time homebuyers
💰 Borrowers with limited savings for a down payment
📉 Those with lower credit scores needing flexible approval requirement
🎯 Individuals seeking homeownership with minimal upfront costs
With 100% FHA Down Payment Assistance, you don’t have to let upfront costs hold you back from achieving homeownership.
Not all condominiums meet the strict lending requirements set by Fannie Mae and Freddie Mac. If you're looking to purchase or refinance a non-warrantable condo, a specialized loan may be your solution. These loans are designed for condos that fall outside conventional guidelines due to factors like high investor concentration, incomplete amenities, or litigation issues.
Financing for Condos That Don’t Meet Conventional Requirements
Competitive Interest Rates & Flexible Terms
Low Down Payment Options Available
Opportunity to Purchase in High-Demand Areas
While non-warrantable condos present unique challenges, lenders offer customized loan solutions to help buyers secure financing for these properties.
🏢 High Investor-Owned Units – More than 50% of units are investor-owned.
🚧 Incomplete Construction or Amenities – The development is not fully finished.
💰 Single Entity Ownership – A single entity owns more than 10% of units.
⚖️ Ongoing Litigation – Legal disputes involving the condo association.
📉 Financial Stability Issues – HOA reserves or budget concerns.
A Reverse Mortgage is a powerful financial tool designed for homeowners aged 62 and older, allowing them to access their home equity as cash—without the burden of monthly mortgage payments. This program provides financial flexibility by offering funds in a lump sum, monthly payments, or a line of credit, helping retirees supplement their income and enjoy greater financial security.
No Monthly Mortgage Payments – Stay in your home while accessing your equity.
Flexible Payout Options – Choose a lump sum, monthly disbursements, or a credit line.
Use for Any Purpose – Cover living expenses, medical bills, home improvements, or leisure.
Government-Backed Security – FHA-insured Home Equity Conversion Mortgage (HECM) options available.
Remain in Your Home – Maintain ownership and occupancy as long as you meet loan terms.
When the home is sold, the proceeds cover the loan balance.
If the homeowner moves out permanently or passes away, the loan becomes due.
Any remaining home equity after repayment goes to the homeowner or heirs.
🏡 Purchase a New Home – Buy a home with no monthly mortgage payments.
💰 Refinance an Existing Mortgage – Lower financial burdens during retirement.
If you're looking for a way to enhance your retirement lifestyle, a Reverse Mortgage can provide
the financial freedom you need while allowing you to age in place comfortably.
If you're looking for a way to enhance your retirement lifestyle, a Reverse Mortgage can provide the financial freedom you need while allowing you to age in place comfortably.
Way to Pay Off Your Mortgage Faster
An All-in-One Loan is an innovative mortgage solution that combines your home loan with a checking account, helping you pay off your mortgage faster and save on interest. By automatically applying your everyday income to your loan balance, you reduce the principal before interest is calculated—potentially saving you thousands over time.
Your Mortgage & Checking Account in One – Your income is deposited directly into your mortgage account.
Lower Interest Costs – Interest is calculated on the remaining balance after deposits, reducing your overall loan cost.
Flexible Access to Funds – Withdraw money as needed, similar to a HELOC.
Faster Mortgage Payoff – More of your money goes toward principal instead of interest.
Financial Freedom – Gain greater control over your mortgage and cash flow.
🏡 Homeowners looking to pay off their mortgage faster
💰 Self-employed individuals with fluctuating income
📉 Borrowers who want to reduce interest expenses
📆 Those who prefer financial flexibility without refinancing frequently
By using an All-in-One Loan, you can accelerate homeownership, reduce interest costs, and gain greater financial control—all while having easy access to your funds when needed.
Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here .
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Give Us A Call
(909) 757-8226
Our Address
5559 S Sossaman Rd #1-101,
Mesa AZ 85212
All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Licensed In: AL,CA,FL,GA,IL,MD,NC,TN,TX,VA, NMLS # 1068689 | NMLS ID 1660690 |
AZMB #0944059
Corporate Address : 5559 S Sossaman Rd #1-101, Mesa AZ 85212
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All
products are subject to credit and property approval. Other restrictions and limitations may apply.
Licensed In: AL,CA,FL,GA,IL,MD,NC,TN,TX,VA, NMLS # 1068689 | NMLS ID 1660690 | AZMB #0944059
Corporate Address : 3100 W Ray Rd STE 201, Office 209 Chandler, AZ 85226
All product names, logos, and brands are property of their respective owners.
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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