{"id":1012,"date":"2018-08-18T01:54:14","date_gmt":"2018-08-18T01:54:14","guid":{"rendered":"https:\/\/phbreagent.com\/barak\/?page_id=1012"},"modified":"2022-03-13T16:32:03","modified_gmt":"2022-03-13T16:32:03","slug":"loan-programs","status":"publish","type":"page","link":"https:\/\/phbreagent.com\/barak\/loan-programs\/","title":{"rendered":"Loan Programs"},"content":{"rendered":"<table style=\"width: 811.8px;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; vertical-align: top; width: 805.8px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1014 size-medium\" src=\"https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2018\/08\/keys-1024x524-300x154.jpg\" alt=\"\" width=\"300\" height=\"154\" srcset=\"https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2018\/08\/keys-1024x524-300x154.jpg 300w, https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2018\/08\/keys-1024x524-768x393.jpg 768w, https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2018\/08\/keys-1024x524.jpg 1024w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"text-decoration: underline;\">Fixed Rate Mortgages<\/span><\/p>\n<p>A Fixed Rate Mortgage ensures that your payments will stay the same over the life of the loan. This has the obvious advantage of enabling you to calculate your monthly expenses without worrying about fluctuations in your mortgage payments over time.<\/p>\n<p><span style=\"text-decoration: underline;\">FHA Home Loans<\/span><\/p>\n<p>FHA loans have low down payments of 3.5%, low closing costs and easier credit qualifying.<\/p>\n<p><span style=\"text-decoration: underline;\">Adjustable Rate Mortgages<\/span><\/p>\n<p>Sometimes it is more important for you to have a lower initial rate, resulting in a lower payment, so that you will be able to qualify for the home you have chosen. Perhaps you plan to move in a few years and are not concerned about possible interest rate increases. Maybe you are confident that your income will increase enough in the coming years to compensate for periodic increases in your interest rate, and subsequently larger mortgage payments that accompany an Adjustable Rate Mortgage Loan (ARM).<\/p>\n<p><span style=\"text-decoration: underline;\">VA Loans<\/span><\/p>\n<p>A US Department of Veteran&#8217;s Affairs (VA) Loan allows qualified veterans to buy a house without a down payment. Additionally, the qualification guidelines for VA Loans are more flexible than for either FHA or Conventional Loans. For qualified veterans, this can be a very attractive option.<\/p>\n<p><span style=\"text-decoration: underline;\">JUMBO Home Loans<\/span><\/p>\n<p>If a conventional loan falls within Fannie Mae&#8217;s and Freddie Mac&#8217;s loan limits, it is referred to as a Conforming Loan. If the loan amount exceeds the maximum permissible loan amount of these two agencies, it is called a JUMBO, or Non-Conforming Loan.<\/p>\n<p><span style=\"text-decoration: underline;\">Down Payment Assistance Loans<br \/>\n<\/span><\/p>\n<p>Situations can arise where the buyer can qualify for a loan but does not have enough for a down payment. In these instances, there are programs available through local and state agencies that can help procure funds for the down payment.<\/p>\n<p><span style=\"text-decoration: underline;\">Reverse Mortgages<\/span><\/p>\n<p>A Reverse mortgage or HECM is a type of home equity loan for older homeowners. It does not require monthly mortgage payments. The loan is repaid after the borrower moves out or passes awaye from the sale of the home.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\">Commercial Loans<br \/>\n<\/span><\/p>\n<p>We can help you finance apartment buildings, mixed use buildings, and industrial buildings. We can also provide bridge loans when needed.<\/p>\n<p><span style=\"text-decoration: underline;\">Hard Money Loans<br \/>\n<\/span><\/p>\n<p>We can provide funds for Rehab\/ Renovation, New Construction, Condo Conversion &amp; Development, Land Development &amp; Subdivision, Change of Use and Short-Term Bridge Loans for residential and commercial properties.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 830px;\">\n<tbody>\n<tr>\n<td style=\"width: 100.267px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-808 size-medium\" src=\"https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2015\/11\/loan-application-225x300.jpg\" alt=\"\" width=\"225\" height=\"300\" srcset=\"https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2015\/11\/loan-application-225x300.jpg 225w, https:\/\/phbreagent.com\/barak\/wp-content\/uploads\/2015\/11\/loan-application.jpg 330w\" sizes=\"auto, (max-width: 225px) 100vw, 225px\" \/><\/td>\n<td style=\"width: 719.733px; text-align: left; vertical-align: middle;\"><strong><a href=\"https:\/\/www.pacifichomebrokers.org\/prequalification\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here<\/a><\/strong> <strong>to Get Prequalified and E-Sign Our Prequalification Application!<\/strong><br \/>\nYour application will be emailed to us securely once you are finished.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: center;\"><a href=\"https:\/\/phbreagent.com\/barak\/contact-me\/\">Contact Me For More Information<\/a><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer;\">Save<\/span><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer;\">Save<\/span><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer;\">Save<\/span><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; top: 33px; left: 300px;\">Save<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fixed Rate Mortgages A Fixed Rate Mortgage ensures that your payments will stay the same over the life of the loan. This has the obvious advantage of enabling you to calculate your monthly expenses without worrying about fluctuations in your mortgage payments over time. FHA Home Loans FHA loans have low down payments of 3.5%, <a class=\"read-more\" href=\"https:\/\/phbreagent.com\/barak\/loan-programs\/\">Read More<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1012","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loan Programs - #1 Client Centered Agent<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/phbreagent.com\/barak\/loan-programs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Programs - #1 Client Centered Agent\" \/>\n<meta property=\"og:description\" content=\"Fixed Rate Mortgages A Fixed Rate Mortgage ensures that your payments will stay the same over the life of the loan. 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