The STaR mortgage program helps our educators, first responders, and correctional officers save some hard earned cash. We weren't sure how to cover the down payment until my brother told me about 100% Mortgage Financing with the Chenoa Fund. When we moved to Washington, we used the Keys on Time program with SecureLock and got into our new home lightning fast!
The JUMBO Loan program is available for individuals to wish to receive a loan greater than $417,000. A Federal Housing Administration (FHA) Loan can be used to purchase and refinance a home. This type of loan is available with an adjustable rate or a fixed rate at 10, 15, 20, 25, or 30-year terms. To qualify for a Veterans Association (VA) Loan, you must be an eligible veteran or member of the armed services.
The JUMBO Loan program is available for individuals to wish to receive a loan greater than $417,000. A Federal Housing Administration (FHA) Loan can be used to purchase and refinance a home. This type of loan is available with an adjustable rate or a fixed rate at 10, 15, 20, 25, or 30-year terms. To qualify for a Veterans Association (VA) Loan, you must be an eligible veteran or member of the armed services.
Services
The real estate market is a dynamic place. New developments are always taking shape, and it can be difficult to make sense of it all. That's where Options Financial comes in. Our goal is to make your home buying experience painless, enjoyable, and rewarding, every step of the way. After all, buying a home is nothing to take lightly.
Options Financial Residential Mortgage is committed to providing our clients with options that are tailored to meet their needs. We are here to support you in your efforts toward successfully owning real estate as a home, a vacation spot, or an investment. There are many loan options available, each one distinctive from the others.
In the most simple terms, a conventional home loan, or mortgage, is a loan sourced directly from a financial institution to a homebuyer and can be used for either purchasing or refinancing a home. This type of loan is available with either an adjustable interest rate or a fixed interest rate at a term of ten, fifteen, twenty, twenty-five, or thirty years.
A JUMBO loan, by definition, is any loan that exceeds the maximum amount allowed by the two federally backed loan holders, Freddie Mac and Fannie Mae. These loans can help borrowers with good credit and available resources to purchase larger properties, luxury properties, and properties located in markets with high home prices where a portion of the entire loan amount is coming from another investment firm.
Thomas Jefferson was a firm believer in the power of home ownership to lift people out of poverty and to give them enough security so that they might be able to pursue life, liberty, and happiness. This, after all, has become the cornerstone of the American Dream.
The federal government has made it a point since 1934 to help American's realize the dream of home and property ownership by offering loans with competitive interest rates, and lower than conventional down payment requirements.For many years, these loans have been offered through the U.S. Department of Housing and Urban Development's (HUD) Federal Housing Administration, FHA.
The federal government has made it a point since 1934 to help American's realize the dream of home and property ownership by offering loans with competitive interest rates, and lower than conventional down payment requirements.For many years, these loans have been offered through the U.S. Department of Housing and Urban Development's (HUD) Federal Housing Administration, FHA.
Reviews (10)
Jamil Cubit
Jan 05, 2022
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Jits Monster
Dec 15, 2021
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Jeannine Crawford
Nov 20, 2021
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Thank you Options Financial for making my dream of owning a home come true. Joshua Behnka our loan officer walked us through the process and made sure we had all our questions answered. Joshua's attention to detail and explaining the processes made our journey as seamless as possible. With all Joshua's help he we're able to get the house closed 5 day's early. Thank you again Joshua and the team at Options Financial.
Esther Chance
Oct 02, 2021
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I cannot speak highly enough about Options Financial RM. The entire team was incredibly supportive throughout the entire process of buying our first home. At no point did these interactions feel transactional. Their team offered the best customer service that I think I have ever experienced.
Our Loan Officer June De la Chica was informed, responsive, and personable throughout. We felt so at ease working with her, it was like having a trusted friend in your corner, and she helped us in so many ways. Whenever we had concerns or got confused, I knew I could call June, and she was so comforting, and
Our Loan Officer June De la Chica was informed, responsive, and personable throughout. We felt so at ease working with her, it was like having a trusted friend in your corner, and she helped us in so many ways. Whenever we had concerns or got confused, I knew I could call June, and she was so comforting, and
Pearson Maugeri
Sep 22, 2021
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Indira H.
Sep 03, 2021
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Joel and his team are exceptional lending company! I have turned to Options Financial on multiple occasions, for my clients as well as for my personal financing needs. And every time I'm amazed how professional, knowledgeable, helpful, and friendly Joel and his team are! They are not only about lending money; they put so much effort in educating new real estate buyers, first time home buyers, as well as those who have borrowed in the past. Special THANKS to June who was on top of everything with her regular updates, emailing and texting in a heart beat! I can't say enough about their business
Ryan Wood
Aug 14, 2021
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Andy Brunner is hands down the best loan officer we've ever worked with. Incredibly friendly, organized, efficient, and hard working. He kept us informed about every part of the process and took time to explain things and answer questions. He worked out a fantastic rate and helped us save a large about of money. I highly recommend working with him and Options Financial!
Nandan Kaniyoor Subramanya
Aug 05, 2021
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We had a pleasant experience with Optionsrm. As first time home buyers, we were hesitant about the whole process, Joel educated us on the mortgage process and was very patient while answering to a dozen questions we had. He also helped get us a competitive rate. After locking the rates, we worked with June who was thorough and timely in her response to our queries and concerns and got all steps taken care of without any delays and closed on time. All in all smooth process, no headaches.
Jeanine VanSise
Jun 29, 2021
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Buying a first home can be an exciting, but overwhelming, experience. I am grateful to have found Andy Brunner and Options Financial! Andy made the process clear and easy to navigate. As a self-employed individual, getting a mortgage has it's complications. Andy was on top of everything, making sure that I was prepared every step of the way. By the time I had an offer accepted, we were ready and I had little left to do. I am a homeowner, and I truly believe working with Andy was key in making it happen in this market. I couldn't recommend him enough!
Wade Willis
Jun 14, 2021
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Outstanding. My wife and I are fairly new real estate investors in the greater Portland, OR area, so we had a lot of questions. Joel was, not only extremely knowledgeable, but also able to provide options as food for thought. Options Mortgage is the perfect name for this company. June, Joel's assistant, was on top of the entire process every step of the way. If you want to be in good hand, discuss strategies, financial options, and how all of these things relate to your current loan and future lending options, look no further than Joel and his team.
