Home Mortgages
Learn more about our unique home mortgage programs, products, and different lending options.
How We Help
Our team of mortgage experts are located in Rochester, NY, and provide services to all of New York and Florida.
We understand how important personal service and fast approvals are for any customer. That’s why our goal is always to guarantee competitive rates, a wide range of loan options, grants, and special lending programs to meet any home buying needs.
Learn more about different home mortgage programs and products below. Ready to talk? Our mortgage team is standing by to answer your questions.
Now Available
Lock & Shop
Lock & Shop opened up to include 45-day, 120-day, and 180-day lock periods!
Lock in your interest rate without an offer on a property and shop confidently. No need to worry about losing out on the lowest rates possible when you work with our mortgage team! Secure your rate for 45-day, 120-day, and 180-day lock periods while you shop – contact us today!
Mortgage Loan Programs
Learn more about specific loan programs:
Conventional Home Loans
Loan amounts from $25,000 to $484,350
- 10 to 30 year terms
- Available on 1 to 4 family dwellings
- Owner occupied, second home and investor properties
- Fixed and adjustable rate options
- 10.01% down payment – no PMI
- Escrow waiver loans available with 5% down payment and credit score minimum 680
- Credit score minimum – 680
High-Balance Conventional
Loan amounts from $484,351 to $726,525
- Lower rates than – jumbo loans
- Available on 1 to 4 family dwellings
- Owner occupied, second home and investor properties
- Fixed and adjustable rate options
- 10% down payment – no PMI
- Credit score minimum – 680
FHA
Federal Housing Administration (FHA) loans are federally insured and their low down payment requirements allow greater flexibility for buyers who may not meet conventional loan guidelines. This program allows qualifying borrowers to reduce the cash required upfront by rolling some of their costs into the rate or negotiating with the seller to pick up some of the closing cost and or prepaid items.
Program Features include:
- Fixed and adjustable rate options
- Up to 6% seller’s concessions to help pay your closing costs
- Allows gift funds to cover down payment and closing costs
- Primary residence only, but multi-family homes are eligible
- Streamlined refinance available • Credit Score from 580 and over require 3.50% down payment
- Credit Score of 560 to 579 require 10% downpayment
- Manual underwrite are available in certain cases
USDA
If the Home is in a designated area (rural) and your income does not exceed maximum income limits, this is the program for you:
- Zero down payment financing for qualified applicants
- Up to 6% seller’s concessions to help pay your closing costs and pre-paids
- Lower Mortgage Insurance than Conventional or FHA loans, equals lower monthly payments
- Primary residence only
- Minimum credit score with AUS approval of 580
- Call for complete guidelines and loan details
Jumbo Home Loans
Purchase or Refinance loans available
- Loan amounts from $484,351 – $2,000,000
- Available loans for 1-4 family dwellings
- Owner occupied, second home and investor properties
- Fixed and adjustable rate options
- 20% down payment required
VA Loans
We offer a wide range of loan terms from 10 year to 30 year. These loans are available to active duty and retired servicemen and women, U. S. Dept. of Veterans Affairs (VA) loans are federally insured, giving borrowers access to favorable terms.
Program Features include:
- No down payment financing available for eligible veterans
- Low or no down payment in most cases
- Primary residence only
- 1-4 family properties are eligible
- Fixed or adjustable rate options
- Sellers can pay up to 100% of veteran’s closing costs
- Credit Score of 580 minimum – allows for 100% financing
- Ability to refinance if rates decrease
Client Testimonials
Discover Your Mortgage Options
Licensed in New York and Florida.
Call us toll-free at 800-320-0447 or click below to work with our mortgage team.
