There are many types of home loans to choose from
GET THE MORTGAGE THAT FITS YOUR NEEDS
Adjustable Rate Mortgage (ARM)
An adjustable rate mortgage may be good for you if you plan to sell or refinance you home within the initial fixed-rate period, typically, seven years.
Highlights of Adjustable Rate Mortgage Loans:
- Lower initial monthly payments
- Borrowers who don’t plan on living in one place for long
- Fluctuating rates and payments
Jumbo Loans
A jumbo loan could be good for you if you have good credit but don’t have enough funds to bring the home loan amount under the conforming loan limit.
Highlights of Jumbo Loans:
- Ability to purchase more home
- Higher purchase limits
- Available for primary, second homes or investment properties
New Construction Loans
If you want the flexibility to customize your home from the ground up, a new construction loan with one-time closing could be good for you.
Highlights of New Construction Loans:
- One closing for lot acquisition and construction
- Primary residences only
- Variety of construction loan products
USDA Loans
If you are looking to purchase a home in a rural area, a USDA home could be right for you. This program helps eligible low-to-moderate-income families achieve homeownership by offering 100% financing.
Highlights of USDA Loans:
- $0 down payment
- Lower credit requirements
- Use of gift funds and grants as source of down payment
Go Direct FHA 100 Mortgage Financing
The Go Direct FHA 100 allows qualified buyers to finance 100% of a home purchase
by adding a second lien to a standard FHA loan to cover the typical 3.5% down payment.
Highlights of the Go Direct FHA 100 Loan:
0% Down Payment
Standard FHA Guidelines
Second Lien Financing
WHAT SOME OF OUR HAPPY CLIENTS HAVE TO SAY
Simplify the loan process and get expert advice
1. Advocating for us - When working with would-be sellers, Direct Mortgage was proactive in supporting us with pre-approval letters, turning these around quickly. They would answer any questions from the sellers; I never worried about Direct Mortgage being slow to respond. Their team vouched for us as buyers, which gave us strong offer packages, and contributed to our success.
2. Sophisticated use of data and technology - The emails we received from Direct Mortgage were helpful without being overbearing; their online portal was easy to navigate. When doing an initial consultation and in later calls, Hillary showed us how our different numbers (loan interest rate, down payment, number of points, etc.) would result in our different final package, timeline for breaking even, etc; this was very different than the approach other lenders took. As first time home buyers, it helped educate us and inform us about our options, so we could make the right decisions for us.
3. Hillary was responsive the whole time. We had tons of questions and what-if scenarios we wanted to understand, and Hillary answered all of these, showing her expertise and excellent communication. Whether on the phone, email, or a quick text, Hillary provided us the information needed in a friendly and professional manner.
Whether you’re a first-time borrower or not, Andy is someone you can trust to guide you through the process with professionalism and ease. I truly appreciated the personalized attention and dedication they provided—if you need a loan officer who’s got your back, look no further!
The Application was very simple to navigate.
Thank you!
His expertise and professionalism were evident from our very first conversation. Joe took the time to explain every detail, ensuring we fully understood our options and what to expect. He was always available to answer our questions and provide guidance, making us feel supported every step of the way.
Thanks to Joe's diligence and commitment, we were able to secure our mortgage quickly and confidently. His proactive approach and attention to detail made a significant difference, and we truly felt like we were in the best hands.
We can’t recommend Joe highly enough to anyone looking for a lender who will prioritize your needs and work tirelessly for your success. Thank you, Joe, for helping us achieve our dream of homeownership without a hitch!
You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
Thanks to her unwavering support, we’ve finally found our dream home, and we couldn’t have done it without her. Cory ensured the entire process was smooth and stress-free, and we are so thankful for her hard work and care.
If you’re looking for someone who truly has your best interests at heart, Cory is the one!
Corey and her team were absolutely incredible and made the process so much less intimidating for us. Being first time homebuyers, we had a lot of questions and Corey was so helpful in going through all of the options/terms while thoroughly explaining their implications.
We highly recommend their team for all of your home mortgage needs!
When we found a home, she called the Seller's agent to assure them that we would have no problems securing a mortgage. This assurance helped us beat a cash offer, and with her team's help processing the mortgage application, also kept up on the same timeline as a cash offer closing in just 3 weeks per the Seller's request.
I've worked with the large mortgage companies and never received anything close to this level of service. At best, they would have provided a pre-approval letter, and in my experience they don't have the same sense of urgency to get the application processed to meet our timeline that Corey and her team did.
Overall it was a wonderful experience, and I'll be going back to Direct Mortgage Loans as my first stop for any refinance or new purchases in the future.
Was awesome. I have been trying to buy a house for ever she really took charge and got everything done for me it was an amazing experience.
But even more important is her genuinely upbeat, excited, and enthusiastic personality. Having such a kind and confident person lead me through the lending process really helped me keep a level head and be excited about purchasing my first home. Working with Corey felt like I was working with a close friend. I will definitely work with her again!
From the very beginning, Corey took the time to get to know me and understand my needs, which made me feel at ease right away. She has a way of explaining complex concepts in a way that's easy to understand, and she was always available to answer any questions I had, no matter how small.
But what really stood out to me about Corey was her sense of humor and positive attitude. She made the process feel like a partnership rather than a transaction, and I always felt like she had my best interests at heart.
Thanks to Corey, I was able to secure a fantastic interest rate and loan terms that were tailored to my specific needs. I couldn't be happier with the outcome!
Overall, if you're looking for a loan officer who is not only professional and knowledgeable but also a genuine, kind, and honest person, look no further than Corey Glowacki. I rated her 5 stars without hesitation and I look forward to working with her again when it’s time to refinance!