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Home Loan Options

Together let’s find the best fit for you.

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What We Do Best

Your Home
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 dedicated 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 purchasing a larger home, a vacation property, or an investment property, we can help explore available financing options and determine which mortgage programs may fit your goals.

Home Renovation Loans

We can help review financing options that may allow eligible renovation costs to be included in the mortgage transaction, subject to program requirements.

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:
  • Change Loan Terms
  • Pay Off Mortgage Faster
  • Take Cash Out for Upgrades
  • Access Home Equity for Other Financial Goals
  • New Additions

Conventional Loans

A conventional loan is one that may require a little more down payment. This loan may have lower fees and rates. Unlike the other loans, it is not backed by the government. Benefits include the following:
  • Low down-payment options may be available for qualified borrowers.
  • Qualification requirements vary by loan program and borrower profile.
  • Fixed-rate mortgage options may be available.
  • Adjustable-rate mortgage options may be available.
  • 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:
  • Low down-payment options may be available for qualified borrowers.
  • Qualification requirements vary by loan program and borrower profile.
  • Can be easier to qualify for than conventional loans.
  • It's possible to refinance a Conventional loan into an FHA loan.
  • Certain FHA streamline refinance transactions may not require a new appraisal, subject to program requirements
  • Available for cash-out refinance or rate/term refinance.
  • Down payment assistance programs may be available for qualified borrowers.

Jumbo Mortgage
Loans

Jumbo loans are for when the loan amount exceeds the limit set by the Federal Housing Finance Agency (FHFA). Higher loan amount financing options may be available. Benefits of a Jumbo Loan include:
  • Purchase or Refinance
  • Fixed-rate and other financing options may be available depending on program eligibility.
  • Available for investment properties

Veteran's Affairs
(VA) Loans

VA home loans are for veterans, service members and spouses. It allows purchase of a home with VA-backed financing that may offer eligible borrowers flexible financing options. Reasons to get a VA Loan vs. Others:
  • No-down-payment financing may be available for eligible borrowers.
  • No monthly private mortgage insurance (PMI)
  • Available for purchase or cash-out refinance
  • Certain VA Interest Rate Reduction Refinance Loans (IRRRLs) may not require a new appraisal, subject to program requirements.

U.S. Dept. of Agriculture (USDA) Loans

USDA loans are designed for eligible borrowers purchasing homes in eligible rural areas. 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:
  • No-down-payment financing may be available for qualified borrowers.
  • 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).
  • Program availability is subject to specific USDA programs.

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.

  • 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.