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About Equity Smart Home Loans:
Equity Smart Home Loans was founded on the simple but radical idea that every person should have the opportunity to own a home. We believe life is all about the journey and buying a home should be a super-exciting, fulfilling, and financially rewarding step along your path. It is our mission to give everyone – from every walk of life, from every background, and from every financial situation- the ability to create equity in themselves and relish in the benefits of home ownership.
Our Services include:
Conventional: A traditional mortgage with terms and interest rates set by the lender, usually requiring a down payment.
FHA: A government-insured mortgage program that offers lower down payments and more lenient credit requirements.
VA: A government-guaranteed mortgage program for eligible veterans and their families, often with no down payment required.
DSCR: A debt service coverage ratio mortgage that qualifies borrowers based on their property's income rather than their personal income.
Reverse Mortgage: A loan that allows homeowners aged 62 or older to borrow against their home's equity, receiving payments until they sell or die.
HELOC: A home equity line of credit that allows homeowners to borrow against their home's equity as needed, up to a pre-approved limit.
Non-QM: A non-qualified mortgage that doesn't meet Fannie Mae or Freddie Mac guidelines, often offering more flexibility for borrowers with less-than-perfect credit or unconventional income.
Disclaimer : Equity Smart Home Loans is an Equal Housing Lender. Rates, Fees and Programs are subject to change without notice. This is not a guarantee or a commitment to lend.
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