Residential Mortgages

Home Owners!  Get Pre-Qualified before you start looking at houses.  Whether you're seeking your first mortgage to purchase a home, or you're moving to a new home, we have a residential mortgage solution for you.  There are many options to consider.  Don't just rely on one quote from your bank or credit union, see what is available with our no obligation loan application. 

When it comes to securing a mortgage loan, understanding the various options available can make a significant difference in achieving your home ownership goals. Whether you're a first-time buyer or looking to refinance, the key is knowing which loan type suits your unique financial situation.

Let's start with Conventional Loans. These are the most common types of mortgages, not backed by the government, typically offering competitive rates for borrowers with strong credit scores. They're perfect for those with solid financial standing who can make a substantial down payment.

Agency Loans, on the other hand, are backed by government-sponsored enterprises like Fannie Mae or Freddie Mac. These loans are often more accessible, with lower down payment requirements, making them a great choice for those who might not have perfect credit but still want to buy a home.

For those looking at more expensive properties, Jumbo Loans come into play. These loans exceed the conforming loan limits set by federal agencies, making them ideal for purchasing luxury homes. However, they come with stricter credit requirements and higher interest rates.

Then there are Non-QM (Non-Qualified Mortgage) Loans. These are designed for borrowers who may not fit the typical lending criteria, such as self-employed individuals or those with irregular income. Non-QM loans offer flexible terms but usually at higher interest rates.

For our veterans, VA Loans are a fantastic option. Backed by the Department of Veterans Affairs, these loans offer competitive rates, no down payment, and no private mortgage insurance for eligible veterans and active-duty service members.

If you're a first-time home buyer or have a lower credit score, FHA Loans might be the right fit. These loans are backed by the Federal Housing Administration and have lower down payment requirements and more lenient credit criteria.

And let's not forget Refinancing, a powerful tool to lower your interest rate, reduce your monthly payments, or tap into your home's equity. Whether you’re looking to switch from an adjustable-rate to a fixed-rate mortgage or shorten your loan term, refinancing can save you money and help you achieve your financial goals.

Choosing the right mortgage can be overwhelming, but you don't have to do it alone. Let's work together to find the best mortgage solution for you. Contact us today to explore your options and take the next step toward securing your dream home.

Pre-qualify or apply below with our No Obligation application and start your journey to home ownership.

Residential Investors for rental properties, AirBnb, or Fix-n-Flip we have hard money and construction loans available.

Investing in Commercial Real Estate (CRE) is different from buying a residential home. Instead of qualifying for a loan based on your income and assets, commercial real estate lending is focused on the current and potential financial performance of the property. Key factors like the sponsor’s experience, their portfolio of commercial properties, and their liquid equity play a major role in securing a commercial mortgage. But don't worry—there are ways to get started even if you're new to this.

Commercial real estate includes multifamily units, such as apartment buildings or properties with more than four rental units. While multifamily properties are sometimes considered a separate investment class, they’re often included in the broader category of commercial real estate.

Other types of commercial property investments include mixed-use buildings, industrial properties, warehouses, retail spaces, offices, restaurants, raw land, hospitality, medical facilities, SBA-backed properties, mobile home parks, storage units, and even construction loans.

Investors or commercial real estate holding groups typically review several deals each week, analyzing available data to find investments that meet their criteria. Some investors focus on a return on investment over a specific period, while others seek a yield above a certain percentage. However, be cautious—some deals might not even cover the loan’s debt service, and others might be sold based on potential rather than reality. That’s why thoroughly analyzing your deals is crucial to success in commercial real estate investing.

A general rule of thumb is to invest in properties with the potential to reduce vacancy or increase rents. As interest rates rise, returns on yield will decrease, impacting your deal. That’s why understanding how to accurately price the property’s value is so important.

SilverFox Solutions offers deal analysis that provides a financial report tailored to your criteria, helping you determine which properties are worth your attention.

Your first report is FREE.  We want you to be completely satisfied.

Book your 30 minute call below to speak with a mortgage consultant.  Tell me about your commercial deal by filling out this quick form.