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FIRST-TIME HOMEBUYER
FIRST-TIME HOMEBUYER
Our team has more than 40 years of experience working with First-Time Home Buyers! It’s time to explore whether refinancing could help you optimize your mortgage and achieve greater financial peace of mind.
GOVERNMENT-BACKED HOME LOANS
GOVERNMENT-BACKED HOME LOANS
If you’re looking for an affordable path to homeownership, government-backed home loans provide flexible and budget-friendly options. These loans—such as FHA, VA, and USDA mortgages— are designed to help a wide range of buyers, including first-time homebuyers, veterans, and those purchasing in rural areas. With lower down payment requirements, more forgiving credit score criteria, and competitive interest rates, these loans make owning a home more accessible, even if you don’t have perfect credit or a large savings account. Plus, programs like VA and USDA loans offer zero down payment, making it easier than ever to step into homeownership.
A PRE-QUALIFICATION LETTER IS GOOD
A PRE-QUALIFICATION LETTER IS GOOD
A PRE-QUALIFICATION LETTER REPRESENTS a preliminary review of your credit and income history, which applied to your circumstances, provides you with a letter indicating the maximum value of a home that you will likely be approved for. A pre-qualification letter is usually based on an interview between the buyer and the lender.
A PRE-QUALIFICATION LETTER REPRESENTS a preliminary review of your credit and income history, which applied to your circumstances, provides you with a letter indicating the maximum value of a home that you will likely be approved for. A pre-qualification letter is usually based on an interview between the buyer and the lender.
A PRE-APPROVAL LETTER IS BETTER
A PRE-APPROVAL LETTER IS BETTER
A PRE-APPROVAL LETTER REPRESENTS a formal review of your credit and income history, including verifying documents, which enables the lender to provide you with a letter of approval up to a certain purchase amount. This letter is based on a formal review of a credit report along with other verifying documents.
A PRE-APPROVAL LETTER REPRESENTS a formal review of your credit and income history, including verifying documents, which enables the lender to provide you with a letter of approval up to a certain purchase amount. This letter is based on a formal review of a credit report along with other verifying documents.
Licensed in Texas,Tennessee & Alabama
NMLS 723522
(615) 542-0821
samjack@samjack.com
Kenny Hawthorne
Kenny Hawthorne
Licensed in Texas & Tennessee
NMLS 1647665
(903) 235-7114
Licensed in Texas & Tennessee
NMLS 1627908
(903) 235-3637
Branch Office 605 S Orchid Drive White Oak, TX 75693
This licensee is performing acts for which a mortgage company license is required. OC Home Loans, Inc., is licensed by the Texas Department of Savings and Mortgage Lending; the Tennessee Department of Financial Institutions; and the Alabama State Banking Department: NMLS: 1842513. A Home Loan approval is not guaranteed and is subject to lender review and verification of information. All Home Loan approvals are conditional and all conditions must be met by borrower(s). A Home Loan is only approved when lender has issued a specific approval in writing and is subject to any and all Lender conditions. Specific programs or specific interest rates may not be available to all borrowers. Interest rates are subject to change with market conditions. K2-Financial, LLC is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the states of Texas, Tennessee or Alabama.
Corporate Address: 24302 Del Prado Suite B Dana Point, California 92629
Complaint/Recovery Fund Notice: (https://www.sml.texas.gov/wp-content/uploads/2021/07/rmlo_80_200_b_recovery_fund_notice.pdf)
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