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These are some of the services we provide. If you don't see your loan type here don't worry, if there is a program out there Mortgage SpecialistsSM MB-3211 knows about it!!

FHA
VA
Conventional
Fixed-Rate Mortgage Loans
Adjustable-Rate Mortgage Loans
Custom Construction
Refinances
Equity/ Debt Consolidation Loans
Condominiums
1-4 Family
Jumbos and Super Jumbos
1031 Tax Exchange

FHA Mortgages
FHA loans allow you to put as little as 3.5 percent down and the credit requirements are more lenient than conventional mortgages. FHA is not a low-income program, so anyone can qualify. The Federal Housing Administration (FHA) insures loans made to borrowers who can't afford a large down payment. So if you're a first-time home buyer or don't have a large nest-egg, don't assume you can't qualify for a mortgage. We can accommodate all FHA programs such as Standard fixed rate (FHA 203b), FHA adjustable rate mortgage (FHA 251), FHA 2-1 buydown (FHA 203b, FHA 251), as well as the Energy Efficient Mortgages Program. Give us a call!

VA Mortgages
VA mortgages offer the opportunity to buy a home up to a specified amount with no down payment. These loans are administered by the Department of Veterans Affairs. VA loans are assumable and have more flexible requirements than either FHA or conventional (not government insured) home loans.

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Conventional
A mortgage in which the interest rate does not change during the entire term of the loan and it is not insured or guaranteed by the government, as opposed to a government mortgage.

Fixed-Rate Mortgage Loans
Lock in now, before rates start to rise. Your interest rate is fixed and your monthly payment is fixed for the term of the loan. We find you the most competitive fixed rates!

Adjustable-Rate Mortgage Loans
The big advantage is the initial interest rate is lower than what you can get with a fixed rate. You'll probably be earning more in the future than you are now so this might be the loan for you. You can also refinance later to a fixed-rate loan!

Custom Construction Financing
Build your own custom home the way you want with a minimum of delays and paperwork! You'll love our low rates and efficient procedures!

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Refinance
Refinancing and consolidating your debt with an Mortgage SpecialistsSM
MB-3211 can lower the total amount you pay out each month. You can even arrange to have extra cash, including non-owner occupied cash back. Here are some reasons you may want to think about:

Consolidate your high-interest debt. Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible.

Get extra cash. Refinancing can give you extra cash for the things you've always wanted to do. Like taking that long-deserved vacation, or paying for a college education. It's your choice.

Home Improvement Loans. Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of your home.

Take a 30-day break from payments. Your first payment is usually not due for 30 days or more.

Home Equity/Debt Consolidation
A Home Equity loan (second mortgage). Usually this kind of financing gives you a tax advantage.

Fixed Home Equity Loans are provided as a lump sum and used all at once. Whether you need to pay off debts, buy a new car, kitchen appliances, or the vacation of your dreams--we're here to help.

A Home Equity Line of Credit is available funds for you to use at your discretion when you need the money.

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Condominiums
We can help you get financing for a single unit or an entire complex, including non-conforming.

1-4 Family
FHA One- to Four-Family Mortgage Insurance is still an important tool through which the Federal Government expands home ownership opportunities for first-time home buyers and other borrowers who would not otherwise qualify for conventional loans on affordable terms, as well as for those who live in underserved areas where mortgages may be harder to get.

Jumbo Mortgages
A loan that does not conform to the guidelines established by Fannie Mae or Freddie Mac or exceeds the conventional loan limit is called a Jumbo mortgage loan. These loan amounts are unlimited! Loan to value limits for Jumbo mortgage loans range from 50% to 90% depending on the loan amount.

1031 Tax Exchange
Many investors are becoming aware that the Internal Revenue Code provides a vehicle for deferring capital gain taxes while disposing of investment property. This vehicle is the IRC Section 1031 exchange. The Code and Treasury Regulations have validated the services of a "Qualified Intermediary" to complete a tax deferred exchange.

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Mortgage SpecialistsSM
MB-3211 is a registered Service Mark    (425) 255-8881



 

 

 

 

Hawlstead Mortgage DBA Mortgage SpecialistsSM MB-3211