Finding a loan that fits

Researching your loan options and looking for the perfect fit? First, consider what kind of property you’re looking for and what you can afford. You want a home that makes you comfortable and fits within your budget.

Buying a home for the first time? The process may seem daunting, but we have some helpful hints tohelp you feel more secure and supported.

If you’ve already been around the block as a homeowner, consider whether you can refinance to get into a lower rate. We can also help with buying a second home if you’re in the market.

As for loan options, we’ve got plenty.

A conversation with one of our loan officers will help determine what fits you best, but here is a sampling of our portfolio to get you started:

FHA Purchase Loans low down payment, flexible credit requirements

  • 3.5% down payment options available
  • Allows non-occupying co-borrower
  • Down payment and closing costs may be gifted

USDA Loans — government-backed for rural areas, purchase or refinance

  • No private mortgage insurance (PMI), plus low monthly guaranteed annual fee
  • Only applies to designated rural properties

Conventional Loans purchasing power with flexible requirements

  • No mortgage insurance options for borrowers with less than 20% down
  • Extended rate lock programs
  • Finance 2-4 unit property with 5% down options
  • More flexible appraisal and condo requirements

Jumbo Loans higher loan values but with similar financial perks of smaller loans

  • For borrowers in the market for a home loan above $453,100
  • 90% LTV options up to $1.25M with no private mortgage insurance
  • No PMI and 10% down options on loans up to $3MM

VA Loans available to active and former military members, unique financial benefits

  • No PMI
  • Down payment flexibility
  • Loan options up to $1M

Builder Loans lock in rates and secure a new home as it’s being built

  • Extended lock options up to 12 months
  • FHA and high balance extended lock options

*Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information.

Guaranteed Rate Affinity, LLC is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

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All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate Affinity, LLC. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.