Financing
Home / Sell
Financing
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the
different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
FINANCING OPTIONS
Finding the right loan program is one of the most important steps in your home buying journey. Here’s a quick overview of the most common options and who they’re designed for:
VA Loan, Department of Veterans Affairs: Designed for those who have served our country, including veterans with honorable discharge, reservists and National Guard members, and surviving spouses.
USDA Loan, Department of Agriculture: Ideal for buyers purchasing a home in a USDA-designated rural area. This program offers affordable financing for eligible communities outside major metro areas.
FHA Loan, Federal Housing Administration: A great option for buyers who meet the minimum credit and income requirements. FHA loans are one of the most accessible programs available for first-time and repeat buyers alike.
203k Loan, Federal Housing Administration: Perfect for anyone looking to purchase a fixer-upper or renovate their current home. Buyers must meet standard credit and income requirements to qualify.
Conventional Loan: Depending on the program, first-time home buyers, defined as someone who hasn’t owned a home in the last 3 years, may be able to put as little as 3% down through a Conventional 97 program.
IS CREATIVE FINANCING RIGHT FOR YOU?
Creative financing can be a good option if you need more flexibility in how you buy a home.
This may include buyers who are self-employed, rebuilding credit, selling another property, or planning to refinance later.
Possible options may include seller financing, lease options, assumable loans, bridge loans, renovation loans, or other custom structures depending on the property and seller.
Monette helps you understand the options, what to watch for, and the next best step for your situation.
(916)223-3727
READY TO GET PRE-APPROVED FOR A HOME LOAN?
Getting pre-approved puts you one step closer to owning your dream home and shows sellers you mean business. Take a few minutes to apply today and find out what you qualify for.
Discover competitive mortgage rates, calculate affordability, compare options, understand power.
