Simple Solutions to Funding Your Home Purchase

Home Loans with Gary » Home Buyers

Whether you’re looking to refinance or purchase a new home, we have you covered.

Our Loan Specialties

Find the best home that suit you

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Down Payment assistance

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VA Loan Services

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Federal Housing Administration (FHA) Loans

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Jumbo Loan Services

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Fixed-Rate Mortgages

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Adjustable-Rate Mortgages

Ready to Adjust Your Mortgage Rate?

We help with a variety of refinances, have a look!

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Rate and Term Refinance

This type of refinancing is a suitable alternative if you want to take advantage of the lower rates or change your loan package.

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Cash-Out Refinance

You can take advantage of current market rates while keeping your present mortgage loan with this type of refinancing. Keep an eye on your credit score, as anything below 700 might lead to exorbitant interest rates. In addition, if your loan-to-value ratio exceeds 80%, you will be required to pay mortgage insurance.

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Special Purpose Refinance

If you bought a house with cash and need the money right immediately, you might be able to get a “delayed financing” cash-out refinance. Even though your loan may be underwritten as a cash-out refinance, you may be able to get better rates with this form of refinancing.

If You Want to Buy Your Business Partner’s 50 Percent Ownership

If you have recently been legally given property due to inheritance or marriage dissolution, the 12-month ownership restriction may be waived. Have a clear idea of your financial objectives, and talk to us about your refinance options.

What to Expect Inside the Loan Process

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Conversation. The first step, having a conversation, is critical and sets the tone for your home buying process. Your loan officer will talk to you about your short and long-term financial goals so that they can create a financing strategy that is right for you and your family.

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Application. The purpose of an application is to collect as much information as possible so that your loan officer can assess all of the available loan programs.

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Pre-qualification. At this point, your loan officer will tell you how many homes you can afford and how much money you’ll need.

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Documents. This is where your assistance is required! We can expedite the underwriting process by submitting your income and asset paperwork in advance.

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Appraisal. Once you’ve found a home and the seller has accepted your offer, we’ll order an appraisal and start the process of underwriting your loan.

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Final approval. The underwriter examines the appraisal, your income, and asset documentation to ensure that you meet all of the requirements for final approval.

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Closing day! Our in-house closing department collaborates with the attorney to put the final documentation together. Everything we’ve done to get here promises a pleasant and engaging experience. We want you to savor this particular moment of receiving the keys to your new home!

Ready To Apply?

The Best Way to Save for Your House

Purchasing a home necessitates a significant upfront expenditure, often made up of personal savings amassed over many years. And that’s only a tiny portion of the overall mortgage fees you’ll face in the years ahead. Some strategies that will help you save up for your home.

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Have a home saving goal and write down your savings on a paper or the digital equivalent.

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Then divide your savings goal by the number of years you wish to achieve it.

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Keep a constant eye on your current expenditures and your recurring debts.

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By downsizing your existing living space, your savings can be dramatic.

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Focus on your home savings account rather than your retirement savings, which could help you save up precious funds.

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The sharing economy, such as renting your home or parking space, can generate extra money.

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Money-savings applications can be a painless process, but you will gradually appreciate your financial savings build-up.

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