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HI, IM
Desiree Gardner
Your First-Time
Homebuyer Loan Expert!
Desiree Gardner
(239) 292-0154
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FEATURES & BENEFITS
Finally, the home of your dreams is within reach!
Imagine a loan created specifically to help folks like you, with lower credit scores or smaller down payments, become proud homeowners. That's the FHA Loan! Insured by the Federal Housing Administration, it's an all-access pass to homeownership – and not just for first-timers, but for everyone!
Competitive interest rates
FHA loans can offer competitive interest rates, oftentimes on par or lower than conventional loans.
More lenient credit requirements
You could pay off your loan early without any extra fees or penalties, potentially saving you hundreds of dollars every month.
Lower down payments
With an FHA loan, qualified home buyers can potentially purchase a home with as little as 3.5% down.
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate for current rates. Restrictions apply.
HOW IT WORKS
Learn More About
FHA Loans!
Explore the advantages of FHA loans—your key to accessible and affordable homeownership! 🚀
Don’t Have A Large Down Payment or Perfect Credit? Don’t Worry, You Can Still Buy a Home
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Understanding Maximum Loan Amounts and How They Affect Your Home Search
Who Qualifies for an FHA Loan, and How Do They Work?
How to Apply for an FHA Loan
How To Get Started With A FHA Loan Today
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CALCULATE
How much will your loan cost?
Enter your loan pricing needs below and we’ll calculate your estimated loan payment.
Your estimated monthly payment
This result is just an estimate.For a more detailed report Schedule a complimentary consultation today.
This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate. Guaranteed Rate, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.
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APPLICATION PROCESS
We Simplify The Process, So You Can Maximize Your Results
FHA Loans can offer you more lenient credit requirements, competitive interest rates, and potentially lower down payments than conventional loans. To apply, you just need to follow four simple steps.
Find a FHA-Approved Lender
The first step in applying for an FHA loan is to find an FHA-approved lender like myself.
Provide Documentation
When you start the application process, you'll need to provide documentation of your income, employment history, and credit score.
Provide Information
You'll also need to provide information about the property you're looking to purchase, such as the purchase price and the address.
If you're approved, you'll receive a loan estimate and you’ll be one step closer to finally buying the home of your dreams!
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.
Desiree Gardner
Partnership begins with a conversation to see how we could help you grow your business. Click on the 'schedule consultation' link to begin the journey.
QUESTIONS & ANSWERS
We’re Here To Find You The Answers You Need
Ready to apply for your home financing loan?
Ready to apply for your home loan?
Your path to ownership is just one click away! Schedule a complimentary consultation now so we can take a look at your specific needs and find the perfect home loan for you!
*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287
Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.
