Borrow Buy Build
LET’S FIND THE PERFECT MORTGAGE FOR YOU
Mortgage by Matthew
Since 2001, I have been assisting clients Buy, Borrow, and Build residential real estate. Over the years, I've gained experience working with both small brokerages and large banks, each offering unique advantages. Leverage my 24 years of lending across all 50 states. Our extensive product range surpasses what most large institutions offer, while maintaining a level of sophistication that exceeds that of smaller originators.
Whether it's your first home, second home, ultimate dream home, or a property to generate extra income, looking for that new address is a task in itself, though an enjoyable one. I strongly believe that!
Your Mortgage Lender Shouldn't Further Complicate the Process.
That's why I'm here to assist you in navigating the challenges and uncertainties of house-hunting, leading you to the ultimate joy of owning a home. I am committed to working hard to make sure that whether you're a first-time home buyer, looking to refinance, interested in buying a rental property, or relocate across the country, I can help turn your goals into reality.
Got a few questions? That's expected! Most people do, and I encourage you to ask as many as you wish. Whether you're aiming to buy a new home or refinance your existing one, I'm here to address all your inquiries and make sure you feel confident about the decisions you're making regarding your future loan.
When should you Apply to Purchase or Refinance?
Perhaps you are in a somewhat different scenario than the one described earlier. Maybe this isn't your first time buying a home, or perhaps you're considering buying a rental property. In such cases, it's reasonable to assume that you've already conducted a considerable amount of research and have an idea of the type of loan you want. If you think you've explored all your options, selected the ideal property, and understand the different types of mortgages available, you might be eager to proceed.
Are you able to answer yes to any or all of these questions?
Have you taken the time to explore home loans and the terminology associated with them?
Have you been through this before and know exactly what you're looking for in a home loan?
Are you done researching and feel ready to take the next step?
Have you already found a property that you're interested in?
Have you evaluated several lenders and feel like you've found the one that best suits you?
So, what are you waiting for?
Just click the button below to complete your loan application, and I'll get back to you within 24-48 hours! We'll review your application together, and I'll inform you if there's any further information needed to proceed in the right direction.
Who can use a Physician’s Loan?
Here's a question for you: Are you an MD or a DO? If you are, and even if you haven't begun your new job but have one lined up, you might be eligible for a Physician’s Loan!
So what is a Physician's Loan and why are they so special?
Perhaps you're unfamiliar with a Physician's Loan, or maybe you've only heard of them in passing and are unsure whether you qualify or if this program would suit your current circumstances.
Let's quickly review the fundamentals:
To begin with, not all lending companies are permitted to offer these loans. Therefore, before selecting your mortgage lender, ensure that the lending institution is authorized to provide this type of loan.
Fortunately, I am able to provide this type of loan product.
Having confirmed that you're in the right place, let's delve a bit deeper: a physician's loan is a unique home mortgage offered exclusively to MDs and DOs, featuring appealing terms and distinct characteristics not available in other conventional loans.
The benefits include:
Minimum down payment requirements
No mortgage insurance
Based on a physician’s signed employment contract
Allows closing up to 120 days before employment state date
Assumable after fixed period
Why Not Build It?
As inventory remains near historic lows, it is time to think beyond resale?
Building a home presents a new opportunity and challenge. One of the biggest obstacles includes funding for the project, especially beyond the traditional 12-month construction commitment.
Our program is built for maximum flexibility but providing the best of both worlds, leveraging a single loan closing for the construction with the ability to float down to market rate upon delivery.
Construction loans break into two phases with the (temporary) construction period set with interest only payments. After all the dust settles, the loan automatically converts to permanent financing with principal and interest payments.
With your financing covered on all bases, your only problem is finding a buildable lot!
The benefits include:
80% financing to $2,000,000
Interest Only Draws during construction
Expanded construction commitment terms
Primary residence and vacation homes
Streamlined Builder Approval
Who offers Lot Loans?
Financing on land is one of the most difficult loans to find. Further, it even more difficult to compare the terms from lender to lender based on property specifics, down payment, and amortization.
Why are these loans so hard to find?
Risk varies with property type and financing an unimproved lot invites in many variables. The amount of acreage, the ability to connect to utilities or stand alone as an off the grid property limits salability.
Thankfully, we are able to offer financing for improved and unimproved parcels. Improved lots are defined as subdivided and with utilities to the property line. Unimproved parcels may require alternative sources for water, electric, and sewer. Unimproved parcels require additional down payment to insulate the lender from the additional risk.
The benefits include:
65-75% financing on subdivided with utilities to the property
60-70% LTV to unimproved parcels
2-year balloon
Ability to convert into construction financing
Where can I learn more?
Are you just beginning to think about whether you're ready to buy your first or next new home? Perhaps it's been some time since you last navigated the mortgage loan process, and you're feeling a bit apprehensive about doing it again. Or maybe you still have some lingering questions about how your first mortgage worked. I’ll be the first to acknowledge that, at first glance, the entire process can seem quite intimidating. There can be a lot of paperwork involved, and if you're dealing with a lender you don't fully trust, who is slow to address your questions, or doesn't provide the thorough answers you need, it can make the process even more difficult. Whether your lender is extremely busy or simply overwhelmed with their own paperwork, if they're slow to respond, it can leave you feeling isolated in the process, which can be both daunting and overwhelming.
I aim to ease your mind and let you enjoy the search for your next home. I want you to look forward to unpacking that first box and spending your first night there. I hope you can relax, enjoy the quirks of the houses you visit, imagine yourself or your family thriving in the home, and take the next step in your life. What I don’t want is for you to stress and worry over every detail or feel too confused to enjoy what should be a joyful experience.
That’s why I make a concerted effort to ensure all your questions are answered as thoroughly as you desire. I aim to simplify the process for you, so you can feel confident that you’re moving in the exact direction you want to be.
Click the links below to discover more about New Home Purchasing and Refinancing. If you have further questions before completing your application, please contact us.
Alternatively, you can click the button below to start your home loan application.
In any case, I assure you that I will respond promptly and efficiently, ensuring your questions are addressed.