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Mortgage

ARE YOU READY TO OWN A HOME?

Welcome to the American Dream...homeownership! Buying a home is one of the biggest decisions you’ll make and 1st Reliant is here to help. We realize that the loan application process can be stressful and difficult to understand, which is why we offer each client personal service to ensure things run smoothly. Not only are we here to guide you through the application process, but specialists will also help you understand the entire home loan process. Refinancing your home has never been easier.



  • Fixed-Rate Mortgage

    Have a consistent, predictable monthly mortgage payment for the life of your loan. A Fixed-Rate Loan gives you the peace of mind that your monthly payments won’t change, regardless of interest rate fluctuations.

  • Adjustable-Rate Mortgage

    A loan with a lower starting interest rate that can fluctuate annually according to the financial index. Great for customers who plan to move in the near future and aren’t worried about their interest rate increasing.

  • FHA Loans

    Qualify with a low credit score and 3.5% down payment. Insured by the Federal Housing Administration, FHA loans include mortgage insurance, which protects the lender from loss if the borrower defaults on the loan.

  • VA Loans

    Buy a home with no down payment. Guaranteed by the Veterans Affairs Department, a VA Loan does not require any money down (for qualified buyers) or private mortgage insurance (PMI), and offers competitive interest rates.

  • Jumbo Loans

    We offer flexible financing for larger loans up to $3 million, available for primary residences, investment properties, or a variety of other terms. Choose from fixed or adjustable rates. Jumbo Loans may have higher interest rates and require larger down payments.


WHAT YOU NEED TO QUALIFY FOR A LOAN

There is no exact formula for loan qualification, but knowing the types of things that we will be reviewing may help you determine whether or not you’re ready to apply for a home loan.



Credit Score
If your credit score is above 660, then you’re in pretty good shape.
Income/Cash Reserves
How much you make or how much you have saved up could make a big difference when qualifying for a loan.
Job History
Proving you have a stable and consistent job record is key when applying for a home loan.
Down Payment
Depending on the type of loan you qualify for, your down payment amount may vary. For example, an FHA Loan requires a minimum down payment of 3.5%.


APPLY NOW

ARE YOU READY TO CHANGE YOUR LIFE?

Talk to one of our 1st Reliant loan specialists and find out which loan is right for you. We’re here to answer any questions you may have, so reach out and let us know how we can help.

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