loans made simple
Whether you’re looking to purchase your first home, second home or refinance your current home, we’re here to help you navigate the process and get the kind of loan that will suite your situation best.
the satori way
Satori is a Buddhist term for awakening and we make the loan process simple and straightforward for you while helping you understand the process at a higher level.
loan types
conventional
Available to borrowers with credit scores of 620 or higher, though they are more credit score sensitive and generally work best for borrowers with credit of 660 or higher.
fha
Available to borrowers with credit scores of 500 or higher, though you will see more options for borrowers with scores of 580 or higher with this program.
vA loans
Available to eligible veterans and their spouses and other beneficiaries. Flexible with minimum credit score requirements, though most lenders will require a 580 score or higher.
usda
Available for buyers who want to own a home in an eligible rural area. More flexible with credit score requirements, but most lenders will require a minimum score of 600 or higher.
non-conforming loans
We offer many additional loan programs which may suit your needs better. Such as Jumbo financing, bank statement loans, DSCR loans for investment properties, and more. We will review these options with you based on your specific criteria to find the best fit for you.
conventional loans
• Available to borrowers with credit scores of 620 or higher, though they are more credit score sensitive and generally work best for borrowers with credit of 660 or higher.
• Down payment options as low as 3%.
Mortgage insurance required if you have less than a 20% down payment. Your mortgage insurance premium is determined by your credit score and amount of down payment you put toward the home.
Mortgage insurance can be removed once you gain 20% equity in your home based on the value of the home when you purchase it.
conventional loans Criteria
Available to borrowers with credit scores of 620 or higher.
FHA loans Criteria
Available to borrowers with credit scores of 500 or higher, though you will see more options for borrowers with scores of 580 or higher with this program.
FHA loans
• Available to borrowers with credit scores of 500 or higher, though you will see more options for borrowers with scores of 580 or higher with this program.
• Down payment of 3.5%.
• Some FHA loan programs will allow you $0 down payment.
Mortgage insurance is required regardless of the amount of down payment you put towards the home, and does require an up front mortgage insurance premium that is financed on top of your loan amount. The mortgage insurance premiums for FHA loans are set and do not vary based on credit score or down payment.
VA loans
• Available to eligible veterans and their spouses and other beneficiaries.
• Flexible with minimum credit score requirements, though most lenders will require a 580 score or higher.
• Zero down payment required.
Do not require private mortgage insurance. They do require a funding fee which is financed on top of the loan amount for those veterans who are not exempt.
VA loans Criteria
Available to eligible veterans and their spouses and other beneficiaries.
USDA loans Criteria
Available for buyers who want to own a home in an eligible rural area.
USDA loans
• Available for buyers who want to own a home in an eligible rural area.
• More flexible with credit score requirements, but most lenders will require a minimum score of 600 or higher. . Do not require a down payment.
• Mortgage insurance is required at a set rate along with an upfront guarantee fee which is financed on top of the loan amount.
• Does have max household income requirements to qualify for the program.
who we help
first timers
Starting the homeownership journey looking to be enlightened with radical transparency, fierce advocacy, and given the opportunity to have an educated role in their home buying process.
home owners
Advancing to the next phase in their homeownership journey that desire a mortgage architect to discover options to increase their financial opportunity and grow their net worth with real estate financing.
investors
Interested in building their portfolio by working with a lending team with a background in financing investment properties and finding solutions to complex situations.
how do I
Qualify for a Loan?
Are you ready to purchase a home, but are unsure where to start, how to qualify, and who to talk to? Do you own your current home and are curious about refinancing, but don’t know how it works?
We are committed as your Mortgage Professionals to provide you with transparent, accurate education and walk you through the process to know your options to purchase or refinance a home. There is a lot involved in getting a home loan, but that’s why we’re here! We’re passionate about helping you find solutions to achieve your goals and empower you with your home financing. From employment, credit, down payment, and loan programs, we will enlighten you with all of the information you need to understand and be comfortable with the process. Home loans are often the largest purchase you will make and it is important to be educated and empowered in your decision
houses are too expensive
We are in a real estate market we have not seen before. There is a very limited supply of homes, and a large demand of people ready to own. It can feel very overwhelming and sometimes impossible to think you will be able to find the right home for you.
In this market it is important to be prepared as you begin your home search. We are here as your advocate to ensure you are prepared with your best offer to find a home so we continue to build stronger communities together by putting families into homes. We have steps we will take together to enable your success as you begin your home search.
i was told i couldn’t qualify
Have you been told you don’t qualify for home financing? Are you a business owner that couldn’t qualify based on your tax returns? Or are you a first time homebuyer that needs to work on improving credit?
Whatever your situation, We have solutions! We will work with you to review your current circumstances and determine what we need to work on together to get you qualified for a home. We are strategic, creative, and wizards at mortgage guidelines. We are here for the long run with you. We truly believe everyone has the opportunity for homeownership and together we can achieve this for you.
