Home Loans Made Easy
Veteran Owned & Operated Small Business
Meet Me
We're All Born with Limitless Potential
My passion for real estate knows no limits, and I'm committed to helping individuals and families navigate the intricacies of the housing market. Whether you're a first-time homebuyer embarking on the exciting journey of homeownership or someone looking to explore financing options tailored to your unique circumstances, I'm here to provide expert guidance every step of the way.
For those seeking assistance with down payments or understanding the intricacies of financial support programs, I'm well-equipped to ensure you make informed decisions. If you're on the selling side, I'll work tirelessly to help you prepare your home for a successful sale, ensuring you get the most out of your property.
Please don't hesitate to connect with me to discuss your real estate goals. Together, we'll formulate a strategy that's not only realistic but also customized to your specific needs. Your journey toward achieving your real estate dreams starts here, and I'm excited to be your trusted partner throughout the process.
Full Name
Mortgage Broker
NMLS Personal NMLS
Simplifying Your Path to Homeownership
Owning a home is easier than you think! With our straightforward guidance, you're just steps away from your dream home. Let us guide you through every stage of the journey.
Why choose us?
Expertise and Personalization:
Benefit from our experienced advisors' tailored guidance, ensuring a clear and customized mortgage journey.
Diverse Mortgage Options:
Access a variety of mortgage solutions to fit your unique needs, from first homes to refinancing and investments.
Exceptional Customer Care:
Experience dedicated support and continuous assistance, fostering a lasting and supportive partnership.
Streamlined Processes:
Enjoy a hassle-free experience with our efficient, streamlined procedures that simplify the mortgage process.
Transparent Communication:
Rely on clear, honest communication throughout your mortgage journey, ensuring you're always informed and empowered.
Home Loan Programs
VA Home Loans
As low as 0% Down Payment
Low or no credit score required
Lowest rates
No mortgage insurance ever
Easy streamline refinance option
Conventional Home Loans
Down payment options as low at 3%
Mortgage Insurance may be required up to 20% down payment
Removable mortgage insurance
Lowest monthly payment
Credit scores starting at 620
Ideal for borrowers with good credit and down payment
FHA Home Loans
Ideal for most first-time home buyers
Only 3.5% down payment required
Down payment assistance option available
Streamlined refinance option available
Credit scores starting at 580
Jumbo Loans
For loan amounts above Fannie, FHA, or VA county limits
Renovation Loans
Conventional - Fannie Homestlye Loan
FHA - 203k Renovation Loan
VA - VA Renovation Loan
All the same qualification with the renovations built into one single easy loan
Learn More:
No Doc Loan (Stated Income)
Currently not available
Learn More - No Doc Loans
Bank Statement Loan
12-24 months bank statement for income deposit verification
No tax returns required
No W2 or 1099 required
Options as low as 15% down payment
Credit scores starting at 660
Learn More - Bank Statement Loan
Investor DSCR Loan
Debt Service Coverage Ratio
Possible no ratio loan
As low as 20% down payment
No tax returns required
No W2 or 1099s required
Credit scores as low as 660
Reserves required
Learn More - DSCR Loan
P&L Only Loan
Profit & Loss Loan
CPA certified P&L provided as income
Down payment as low as 20%
Minimum credit score 680
Reserves required
Learn More - P&L Only Loan
Foreign National ITIN Loans
Coming soon - Please inquire.
Learn More - ITIN Loans
1099 or W2 Only Loans
1099 Statements only
Learn More - 1099 Only Loans
Asset Utilization Loans
Credit scores as low as 660
Assets used as income
20% down payment required
Income formula below
Monthly Income = Total Asset / 60 months
Learn More - Asset Utilization Loans
Reverse Mortgage / Reverse Purchase
Retire comfortably with a reverse mortgage! Get rid of an expense, or have some extra cash for retirement. Enjoy the home without the stress.
Must be 62 years and older
No monthly payment
Cash out option
Monthly stipend option
Primary home only
Learn More - Reverse Mortgage
Down Payment Assistance
Options:
Soft 2nd loan
Local / State Programs
Work with a lender & realtor to identify local programs
Learn More - Down Payment Assistance Programs
Temporary Rate Buy Down
Interested parties to contribute towards buyer's rate buy down:
Interested Parties:
Seller concessions
Buyer/seller agent credit
Lender option may be available
Example: 3-2-1 temporary rate buy down means:
If original rate is 7%
1st year rate is 7% - 3% = 4%
2nd year rate is 7% - 2% = 5%
3rd year rate is 7% - 1% = 6%
4th year rate is 7%
NOTE: Buyer must qualify at the 7% rate BEFORE the temporary buy down
Purpose on this is to help the buyer make the payments more affordable while banking on future rates to drop for a refinance.
Remaining balance on the temporary rate buy down belongs to the buyer.
Contact us for more details
How to Get Approved
Connect with one of our veteran loan officers to help get you pre-approved.
Down Payment
As low as:
0% with VA Loan
3.5% with FHA loan
5% with Conventional
Credit Score
Credit Scores starting at:
500 with VA Loan
580 with FHA Loan
620 with Conventional
Employment History
2 years working history
Some exceptions may apply. Please, talk to a loan officer to find out.
Debt-to-Income Ratio
VA Loan - up to 65%
FHA Loan - up to 57%
Conventional - up to 50%
We have additional loan products that can help the unique borrower.
What customers say about us
"If you need a mortgage, trust me First Name is your guy!! I looked at over 5 lenders and he provided the best rates out of all them hands down. Additionally he will work with you personally to develop the best plan for your specific situation. Would give 6 stars if there was an extra star!"
Jesse Ugwuegbu
"First Name is YOUR GO TO person for real estate needs as he's patient to understand my situation and listen to my story. He gather the information he needed to give me a clear and concise plan so I can be a homeowner using my VA Home Loan within a 3 year window. Giving true Good, Better, and Best scenarios for my specific position with my finance, credit report, and vision of being a homeowner. Never had this before when I attempted to get pre-approved for a home; he actually checked in with me occasionally to see if I keep up with the tasks we laid out. HIGHLY recommended!!!"
Jonathan Adkins
Get in Touch With Us
Reach out for personalized assistance and expert mortgage advice from our dedicated advisors.
Office:
Company Address
Call / Txt:
Email:
Copyright 2024 . All rights reserved
Equal Housing Opportunity © 2024 Apache Mortgage, Company Address, 949-799-4329. NMLS ID # Company NMLS Number DRE # 02209550. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage. All loan programs are subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. [01-2024]