Our loan options are flexible, affordable and most of all, they provide you with the freedom to pursue your dreams.
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Conventional loans are the most used home loans. While they do not have a government guarantee or insurance, investors view them favorably because they conform to the two central government-sponsored agencies’ guidelines, Fannie Mae (FNMA) or Freddie Mac (FHLMC). Conventional loans allow for the purchase of nearly any residential property type and offer a range of down payment options, some as low as 3%. Some advantages include reduced documentation, no mortgage insurance for loans with 20% or greater down payments, and competitive pricing.
FHA loans, insured by the Federal Housing Administration, offer a low down-payment minimum of 3.5% along with flexible credit and debt requirements. They allow for a non-occupant co-borrower such as a parent or relative, making them an excellent option for first-time homebuyers and low-to-moderate-income borrowers.
VA loans (Veterans) are guaranteed by the U.S. Department of Veterans Affairs (VA) and offer an insured loan product for veterans and their spouses. Advantages include up to 100% financing, competitive interest rates, and no mortgage insurance for eligible borrowers. Serving our Veterans and Active-Duty Service Members is an absolute Honor and privilege.
USDA rural development home loans, created by the U.S. Department of Agriculture, allow rural homebuyers to get up to 100% financing on a new home. These mortgages offer reduced down payment options, competitive rates, and flexible requirements, promoting growth and improving the economy in under-populated areas.
Our S1L HELOC is a line of credit secured by the equity in your borrower's home. It's a fixed-rate loan with a set of terms, is fully disbursed at the time of funding, giving borrowers the full amount of their loan upfront. It also includes the option for additional draws over time.
This is a great option for individuals looking to leverage the equity in their current home for home improvements, educational expenses, or consolidation of debt. The entire process can be completed online with the approval in about 5 minutes and funding in about 5 days in countries that accept e-recording and e-signatures.
Our Move-Ready HELOC is a line of credit secured by the equity in your borrower's home that is listed for sale. It's a fixed-rate line with a set term and set redraw period and disburses 80% of the line at the time of funding.
This is a great option for individuals looking to leverage the equity in their current home to purchase a new home. The entire process can be completed online with approval in about 5 minutes and funding in about 5 days in countries that accept e-recording and e-signatures.
Jumbo loans are fixed-rate and adjustable-rate mortgage products for higher-priced primary homes, second homes, or investment properties, allowing borrowers to obtain a larger loan that exceeds conventional lending limits such as loans.
Renovation loans allow homebuyers to purchase and renovate a home with one loan and one closing. This means homebuyers who find a less-than-perfect home in their ideal neighborhood can purchase the home and pay for upgrades or repairs all in one loan. The LIVE Mortgage Team offers several renovation options to meet the needs of each borrower.
The LIVE Mortgage Team also offers non-QM (non-qualified) products for non-traditional borrowers (e.g., self-employed, investors, asset-based) that utilize alternative qualification methods. These include:
The Wealth Builder program offers 100% financing with shorter amortization periods and lower interest rates that allows borrowers to build home equity faster. Rather than use their funds for a down payment, the borrowers can use the cash toward buying down the interest rate and paying lower total interest costs over the life of the loan.
The Medical Professionals program offers 100% financing and expanded underwriting requirements for qualified borrowers, such as excluding student loan debt from the debt-to-income ratio calculation and employment beginning post-closing for eligible professionals. This program also allows for no monthly mortgage insurance.
Affordable lending aims to help lower-income borrowers or those who have experienced financial setbacks obtain a home loan. We offer a variety of low-down payment options, down payment assistance programs, and bond programs to ensure everyone has an opportunity to finance a home and build wealth.
The LIVE Mortgage Team offers refinance options on most mortgage products, which allow homeowners to lower monthly payments by reducing the interest rate (rate-term refinance). With a refinance, borrowers can also cash out some of the equity in their home to finance home improvement projects, consolidate credit card debt, pay college tuition, or fund any other project (cash-out refinance).
A Reverse Mortgage is a loan for homeowners ages 62 years or older that allows them to use the equity in their home for financial security or to maintain quality of life throughout retirement. It does not have a monthly mortgage payment6 and allows the homeowner to receive the equity in their house in a lump sum, a fixed monthly payment, or a line of credit. In most instances, the loan is paid off with the sale of the home by the estate.
Whether building or renovating a home, construction-to-permanent loans cover the lot, construction, and mortgage financing. Benefits of this program include interest-only payments during construction, a single set of closing costs, and no prepayment penalties.
Our Lock and Shop program allows for you to lock in an interest rate for up to 90 days while you shop for your new home. There is a fee for this program, however, with the volatile market, paying a small price could save you thousands. We will talk this out to see if it is an option for you based on our hopes and dreams.
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