Time to make a housing change?

There are many types of first-time home buyers — variations include your age and stage of life, resources, and credit history. The short answer is:

No matter where you are in your life, your credit history, or accumulated savings, talk to us.

Whether you have limited credit, a lower credit score, less money for a down payment, or any combination — we have access to programs that will provide the funds to purchase your first home.

Reduced-rate programs may be available for first-time buyers who meet income limits.

At Straight Deal Mortgage, we are well versed in VA lending, and we can help you tap into your VA benefit. VA loans allow 100% financing with no down payment, no monthly mortgage insurance, and competitive interest rates (a VA funding fee may apply).

VA loans are also flexible on credit, so many veterans with less-than-perfect credit still qualify. There’s also a streamlined refinance program, often with no appraisal and limited documentation.

Yes — there are loan programs for you. There are loan products available for people with low credit scores, including low-down-payment and refinancing programs. We even have loan options for borrowers with no credit scores aka “ghosts”.

I can find you the best loan for your current situation. I also have expertise in rebuilding credit and can help you improve it.

There are loan programs available for you to tap into your home's equity to accomplish these goals:

• First mortgage cash out
• Reverse Mortgage Cash Out Options
• Home equity line of credit
• Cash for debt consolidation or home improvement
• Lower your rate
• VA & FHA Streamline Refi
• Change your loan type from ARM to Fixed
• Reinvest in your portfolio
• Buy additional real estate

You don't need a large down payment to buy a home. Depending on your military status, where the property is located, and your income, there are several ways to get in with little or nothing down.

Not sure which fits? Tell us about your situation and we'll match you to the right program.

• VA Loans: 0% Down for Veterans and Service Members
• USDA Loans: 0% Down in Eligible Areas
• Conventional: As Little as 3% Down
• FHA: 3.5% Down, and Even Less With Assistance

A reverse mortgage can be a good fit for homeowners with significant equity who want to stay in their homes and eliminate required monthly mortgage payments. Typically for homeowners age 62 and older, it lets you refinance your current loan into a reverse mortgage and take cash out for home improvements or investing, or take a monthly cash draw from your equity. You can even purchase a home using a reverse mortgage. You remain responsible for property taxes, homeowners insurance, and home maintenance, and the loan comes due when the last borrower moves out or passes away.

We have a full range of products for investors buying rental property — plus loan products for fix-and-flip investors. Ground up construction loans also available.

Investors can choose from DSCR loans that qualify on the property's rental income rather than your personal income, business bank statement programs for self-employed borrowers, and interest-only payment options on select programs to maximize cash flow. New investor programs open up all the time, so even if you've looked recently, it's worth a fresh conversation.

Solo entrepreneur, business owner, incorporated or freelance? We have programs that don't require conventional income qualifications.

We offer alternative documentation loans that qualify you using 12 to 24 months of bank statements, a CPA-prepared P&L statement, 1099s only, or asset utilization/asset depletion. On select programs, tax returns aren't required.

If you're an investor looking to buy U.S. real estate, including foreign nationals and non-U.S. residents, we have loan products available for you if you:

• Have or haven’t established U.S. credit
• Are not a U.S. citizen or permanent resident
• Don’t have a U.S. work visa (such as an H-1B) or Green Card
• Have a primary residence in a foreign country