Are you ready to move into your first home, find the perfect move-up home, or are you looking for a luxury home that falls outside of conventional loans? Whatever your situation is, you will need to have a trusted lender on your side. For standard Sunrise home loans, VA loans, FHA loans, and even jumbo loans, the best choice is Kloze.
With extensive experience in the industry and a highly trained team that will work towards your goals, we can help you to get financing no matter the situation.
Sunrise VA Home Loans
If you or your partner is a veteran, then you may qualify for competitive Sunrise VA home loans. These loans are guaranteed by the U.S. Department of Veterans Affairs, and the fixed interest rate and minimal closing costs make these some of the most affordable loans available on the market. It’s even possible to purchase a home without an initial deposit, making this the best choice if you are eligible under VA rules.
Sunrise VA loans are available to most veterans. If you’re ready to move ahead with a VA loan, then simply contact us online or over the phone today.
Sunrise FHA Loans
Don’t worry if you aren’t a veteran, because there are still plenty of competitive options available. You can get Sunrise home loans through the FHA loan program, which ensures competitive fixed rates, approval if you don’t have perfect credit, and a low deposit.
It’s possible to pay as little as 3.5% down payment on an FHA insured home loan. Even if you have some blemishes on your credit report, you will usually be able to secure these Sunrise home loans if you are currently working and have an average debt to income ratio.
FHA limits are applied depending on the home type and can vary by county in Florida. In Broward county, the limits are $345,000 for a single home, $441,650 for a duplex, $533,850 for a tri-plex, and 663,450 for a four-plex.
We are authorized FHA home loan lenders, so talk to us today if you want to explore your options with an FHA insured loan.
Jumbo Home Loans
If you are interested in a large home or a luxury property, then you may find that it doesn’t conform to standard lending criteria. Homes valued over $453,100 will need to be covered by a Hollywood jumbo loans. These loans have been designed to give you options when your home can’t be covered by standard loans sponsored by Fannie Mae or Freddie Mac.
These loans have stricter approval requirements, so you’ll need to be sure of some things before you start the approval process. Your credit score will need to be above 680 (the higher the better), and you will usually need to have a minimum down payment of 20%. This is because jumbo loans come with a high amount of risk and are very costly to insure.
You will also need a debt ratio of no more than 33%, however, there may be some flexibility in this area, depending on your income and your expenses.
Talk to us today if you need a loan that falls outside of the conforming standards of Fannie Mae and Freddie Mac loans.
If you need the most competitive conventional loans in the industry, then we can offer the best rates for qualified applicants. If you have good credit, and your home doesn’t exceed the threshold for conforming loans, then we’ll be able to design a loan that suits your needs. You can talk to us today whether you’re ready to begin the application process or even if you’re simply looking for more information.
The Best Team of Mortgage Professionals
Sunrise home loans are made easy when you have the most helpful team in Florida. Our years of experience, record of outstanding customer service, and ability to get the most competitive rates, are all reasons to talk to us today. It doesn’t matter what type of loan you’re looking for, we can find ways to accommodate you while helping you achieve your goal of purchasing a new home.
Fill out a prequalification online or call us today for more information.