3 - VA Loans - Hipotecas Para Veteranos

USDA mortgage loans

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5 - jumbo loans - Hipotecas Grandes

1 - FHA Loans - Hipotecas de FHA

6 - Adjustable-Rate Mortgage Loans  

    Hipotecas de tasa de interes ajustable

4 - Reverse Mortgage loans       

     Hipotecas de Reverso       

Since 2009, The United States Department of Agriculture (USDA) changed it's rules. It now allows millions of Americans to become eligible for its rural mortgage programs. With the USDA loan many are still able to get a zero down home loan. 


​In the past USDA Loans were often called "farmers loans" but times have changed. Almost anyone outside of a major metropolitan area looking to purchase a home can qualify for a USDA loan. Eligibility varies based on area, your income, credit history, and number of dependents claimed so it's important that you call me to see if you qualify.


FEATURES:

  • Zero money down and 100% financing is available.
  • USDA loans come directly from the federal government or from government approved and backed lenders.
  • You can have lower monthly payments with terms up to 38 years.
  • Bad credit can qualify.
  • Low income families can qualify.


​ USDA Loans are for:

  • New Home
  • Pre-existing home
  • Condominium
  • Townhouse
  • Land and the cost of building a home
  • Commercial property
  • Farms and equipment

7 - Commercial Loans 
     Hipotecas comerciales

2 - conventional Loans

     Hipotecas convencionales

Conventional, Conventional ProgramsJumbo, Reverse, Government ProgramsFHAVA, USDA, Non-Prime Programs, and Commercial Mortgages.​  NMLS 1086161 CalBRE 01393110

EDUARDO RAMIREZ MORTGAGE LOAN OFFICER - CA - MN