Home Loan Options
Together let’s find the best fit for you.
What We Do Best
Your Trusted
Loan Consultant
If you have found the home of your dreams, reach out to Christy Christian Home Loans to discuss taking out a mortgage. Christy is the trusted loan officer you can turn to for this and any future home loans. She works hard to assist you with your home-purchasing goals, whether the home is a starter or the one in which you plan to retire.
Home Loan Options
First Time Home Buyer Loans
Buying your first home can be exciting and stressful. Whether it’s your first home because of your age or because you only now feel financially prepared to take the plunge, we are happy to help you navigate the home-buying experience for the first time. Our experts will gladly explain the process to you at every step and make sure you understand the expectations of a mortgage before you sign anything.
Second Home Loans
Whether you are buying a new home because your family is growing or you are buying an additional property as a vacation home or investment property, we are just as happy to help you pay for your home purchase.
Home Renovation Loans
Be it your first home or a new home, your purchase may not quite fit your desires for a home. At Christy Christian Home Loans, we are happy to help you determine the cost of repairs, upgrades, and expansions to your new home so that you can factor any additional costs into your home loan.
Refinancing Loans
If you are looking to refinance your home, Christy will meet with you to discuss what you want to accomplish and why you want to refinance. From there, you will receive a step-by-step walkthrough of the process to get you to your goal.
Reasons for refinancing could include the following:
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Lower Interest Rate -
Pay Off Mortgage Faster -
Take Cash Out for Upgrades -
Take Cash Out for Investment Properties -
New Additions
Conventional Loans
A conventional loan is one that usually requires a little more down payment, but it puts you in a better position if you want to reduce the cost of the loan in the long run. Typically, this loan has lower fees and rates, and people who have this loan get more access to homes on the market. Unlike the other loans, it is not backed by the government. Benefits include the following:
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Down payment is as little as 3%. -
Credit scores as low as 620 may be accepted. -
Fixed rates offer consistent monthly payments and simply planning and budgeting. -
ARM’s may have lower initial monthly payments than fixed-rate loans and adjust after the fixed term. -
Available for purchase, refinance or cash-out refinance.
FHA Loans
The requirement of a FHA loan is different from a conventional one. If you have a lower credit score, this might be the perfect option for you. Unlike the conventional loan, the down payment is usually lower and the government backs all FHA loans. Benefits of an FHA loan include:
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Put down as little as 3.5% for fixed-rate loans. -
Credit scores as low as 550 may be accepted. -
Can be easier to qualify for than conventional loans. -
It’s possible to refinance a Conventional loan into an FHA loan. -
FHA to FHA streamline refinances do not require an appraisal -
Available for cash-out refinance or rate/term refinance. -
Financial assistance programs available
Jumbo Mortgage
Loans
Jumbo loans are for when the loan amount exceeds the limit set by the Federal Housing Finance Agency (FHFA). These loans can go all the way up to $3 Million. Benefits of a Jumbo Loan include:
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Competitive Interest Rates -
Credit scores as low as 660 accepted (depending on occupancy and property type) -
Purchase or Refinance -
Fixed rates only -
Available for investment properties
Veteran’s Affairs
(VA) Loans
VA home loans are for veterans, service members and spouses. It allows these people to purchase a home with little to no down payment and they are able to get a competitive interest rate. Reasons to get a VA Loan vs. Others:
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As low as 0% down payment -
Credit scores as low as 550 may be accepted. -
Credit scores as low as 600 accepted for manufactured housing. -
Lowest interest rates available for qualifying borrowers -
No monthly private mortgage insurance (PMI) -
Available for purchase or cash-out refinance -
Streamline refinance (IRRRL) with no appraisal and minimum documentation (current VA loans only).
U.S. Dept. of Agriculture (USDA) Loans
The USDA loans are mortgage loans for rural property owners. The loan option is great for someone who is looking to buy a home on land and out of the city. Benefits of a USDA loan include:
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0% down payment -
Credit scores as low as 580 may be accepted. -
Low to moderate income may qualify. -
Borrower must be a U.S. citizen, non-citizen U.S. national, or qualified permanent resident alien. -
Rural properties only (certain geographic eligibility requirements apply). -
Available for purchase, rate/term refinance, or streamline refinance.
The Home Loan Process
Exceptional customer service separates Christy Christian Home Loans from other mortgage lenders.
01
Application
The first thing you will do is complete the mortgage loan application. Feel free to call first, if you have questions.
02
Approval
Next, Christy will meet with you to go over the application information and prepare you for the approval process.
03
Success
Once you obtain the loan that works best for you, Christy will check in on you to ensure you and your new home are doing well.
A Few Documents
You Will Need
Be sure to gather these documents with all the information you need for the application process.
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Last 2 years’ W-2’s and 1040’s including all schedules -
If self-employed, last 2 years’ corporate tax returns and year-to-date profit and loss statement -
Past 30 days’ computerized pay stubs, to include year-to-date earnings -
2 months’ current bank and asset account statements including all pages (no screen prints) -
Driver’s license or State ID Card -
Purchase Agreement, if applicable
Client Testimonials
What our Clients say
“I had the pleasure of working with Christy and I couldn’t be happier with the experience. Christy was incredibly helpful throughout the entire process. She patiently answered all my questions, provided clear explanations, and guided me every step of the way. Her professionalism and dedication made what could have been a stressful experience into a smooth and enjoyable one. I highly recommend Christy to anyone in need of home loan services!”
Daisy
“Christy is simply the best in everything she does! Your best asset to buy the properry you really want!”
Alfonso
“Christy Christian and her entire team have been amazing through the entire process of us buying our home in Texas. They were very responsive and knowledgeable of the whole process. They helped us get our dream home and we are forever thankful. They truly are Good Humans 😁”
Justin
Reach Out Anytime
Have questions or not sure if you’re ready for a home loan?
Reach out and let’s talk.