LOAN OPTIONS
Buying, building, renovating, or rethinking your mortgage? Start with the possibilities. Then let's find the options that fit your income, your property, and your plans.
LET'S TALK ABOUT YOUR OPTIONSI'm Mindy Waite, Producing Branch Manager with Supreme Lending, NMLS 1330923. You don't need to pick a program before we talk. Bring me your goals and questions. I'll help you compare the next steps.
EVERYDAY FLEXIBILITY
A starting point for many purchases and refinances, with options for primary homes, second homes, and investment properties.
ANOTHER PATH TO HOMEOWNERSHIP
An FHA-insured mortgage may be worth exploring when down payment or credit history is part of the conversation.
FOR THOSE WHO SERVED
Eligible veterans, service members, and certain surviving spouses can explore the benefits of a VA-backed home loan.
LOCATION CAN OPEN A DOOR
A USDA-backed loan may fit an eligible home in a qualifying rural or suburban area.
FINANCING BEYOND CONFORMING LIMITS
Buying at a higher price point calls for a financing strategy that accounts for cash flow, assets, and reserves.
FROM PLANS TO A FINISHED HOME
Explore whether combining construction and permanent financing in one transaction fits your build.
THE HOME AND THE PROJECT
Condo financing involves your qualifications and the condominium project. I help you understand both sides.
REVISIT YOUR MORTGAGE STRATEGY
A refinance should serve a clear goal. We can compare the costs, timeline, and potential benefit before you decide.
ROOM FOR WHAT COMES NEXT
An eligible renovation loan can combine home financing and planned improvements into one loan.
EXPLORE HELP WITH UPFRONT COSTS
Assistance programs may help eligible buyers with a down payment or closing costs. I offer options that include programs without income limits.
A HOME WITH ITS OWN REQUIREMENTS
Eligible manufactured homes may qualify for financing. The home, land, foundation, and title details help determine the path.
WHEN THE USUAL DOCUMENTATION DOES NOT FIT
Business owners, investors, and borrowers with substantial assets may benefit from a different qualification approach.
Program availability and terms vary and may change. All financing is subject to applicable guidelines, credit and property approval. A program listed here does not guarantee eligibility or approval.
A FEW GOOD QUESTIONS
We can review your budget, documentation, and likely financing paths before you commit to a property. A prequalification is an initial assessment; final approval requires underwriting and property review.
We compare your qualifications, available cash, mortgage insurance, and total costs. The best fit depends on your circumstances and the options available when you apply.
Closing costs, prepaid taxes and insurance, and any required reserves can affect the cash you need. I'll help you review an estimate and discuss whether assistance or other eligible funds could help.
Principal and interest are part of it. Property taxes, homeowners insurance, mortgage insurance when applicable, and any association dues also affect your monthly housing budget.
Tell me what you want to accomplish. Let's talk through the possibilities together.
ASK MINDY ABOUT YOUR NEXT MOVEPrefer to pick up the phone? Call or text me directly.
