We have an outstanding track record of helping First Time and Repeat Home buyers purchase homes successfully. 

Image result for Zillow five star

 

 Buying a home can be one of the most exciting yet stressful times in ones life. Once you have made the choice to get the process started you have some diligence work to do. It is time to build your Real Estate dream team! First find an awesome Realtor with an excellent  track record. Then find an outstanding loan officer (Assuming you are financing the house and not paying cash). This step is very important. This team will be working together for months to help you achieve the dream of home ownership! With the right team in place it makes getting to the finish line successfully much easier. 

 

 

Conventional Loan Highlights

Minimum Down Payment Required

3%

Minimum qualifying FICO score

620

PMI Requirement

All loans with less than 20% down

Occupancy

Owner occupied, or non-owner occupied

Down payment gifts

Allowed

 

FHA Loan Highlights

Minimum Down Payment Required

  3.5%

Minimum qualifying FICO score

620

PMI Requirement

All loans regardless of down payment

Occupancy

Owner occupied only

Down payment gifts

Allowed

 

VA Loan Highlights

Minimum Down Payment Required

  0%

Minimum qualifying FICO score

  620

PMI Requirement

No monthly PMI

Occupancy

Owner occupied only

Down payment gifts

Allowed

 

USDA Loan Highlights

Minimum Down Payment Required

  0%

Minimum qualifying FICO score

  640

PMI Requirement

No monthly PMI

Occupancy

Owner occupied only

Down payment gifts

Allowed




RI Housing Loan Highlights

Minimum Down Payment Required

  0%

Minimum qualifying FICO score

  620

PMI Requirement

No monthly PMI

Occupancy

Owner occupied only

Down payment gifts

Allowed

Down payment assistance

Up to $7,500 (forgivable grant)

 

 

 

Get started today, Get pre-approved by a local mortgage specialist!

Start Now

 

Do you have questions about the home buying process? 

Contact me