Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it's a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our client's convenience, was essential to our many years of success.
With our extensive knowledge and commitment, we are your go-to source for mortgage industry insight and advice. Lucrative Home Loans, Inc. pledges to be in constant communication with our clients, keeping them fully informed throughout the entire buying process, along with being fast and efficient.
With our extensive knowledge and commitment, we are your go-to source for mortgage industry insight and advice. Lucrative Home Loans, Inc. pledges to be in constant communication with our clients, keeping them fully informed throughout the entire buying process, along with being fast and efficient.
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Refinancing is simply replacing an existing mortgage with a new loan. Typically, people refinance their mortgage in order to reduce their monthly payments, lower their interest rate, or change their loan program from an adjustable-rate mortgage to a fixed-rate mortgage. Some people need access to cash in order to fund home renovation projects or paying off various debts and will leverage the equity in their house to obtain a cash-out refinance.
A mortgage loan within the United States guaranteed by the U.S Department of Veterans Affairs. FHA Loans tend to be one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. A mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.
VA loans are guaranteed by the Department of Veterans Affairs. VA Loans are great for eligible veterans. In most cases, you can buy a home with nothing down and zero PMI. This loan also comes with great rates. The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.
A Conventional loan is a mortgage that is not backed by any Government agency such as the Federal Housing Administration (FHA) or Veterans Administration (VA). Conventional loans meet the lending requirements of Fannie Mae and Freddie Mac, the two largest buyers of mortgage loans in the US. Conventional Loans are ideal for borrowers with more established credit, employment, and savings history.
FHA Loans tend to be one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payment and has lower credit score requirements than many conventional loans.
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