The most important thing when getting a home mortgage is finding a program that works for you. That's what Humbert Mortgage, Inc. is here to help with. We're well-versed in conventional loans, VA loans and unique programs. You can count on us to work directly with you to understand your needs and talk you through your loan options. Reach out to us today to team up with our experts in the Cincinnati, OH area.
We work with over eight different lenders to give clients as many options as possible. When you work with us, you can pick from the following home mortgage programs:
Conventional loans: any mortgages that aren't guaranteed or insured by the federal government. A conventional loan generally refers to a mortgage loan that follows the guidelines of government-sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac. Whether you're buying a home or want to refinance your mortgage, a conventional loan might be right for you. If you're not sure about your credit rating, or you have any concerns about a down payment, conventional mortgages can give you peace of mind with low closing costs and flexible payment options.
USDA loans: eligible applicants are able to build, rehabilitate, improve or relocate a dwelling in one of the eligible rural areas. This program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers.
VA loans: if you've served our country in any branch of the U.S. military, you're eligible to receive a Certificate of Eliginility (COE) that will help you in your pursuit of a VA loan. VA home loans can be used to buy a home or a condominium unit in a VA-approved project, build a new home, purchase and improve a home simultaneously, make home improvements by installing energy-related features or making a home energy-efficient or buy a manufactured home and/or lot.
FHA loans: mortgages insured by the Federal Housing Administration (FHA). Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. FHA loans can be a great option for first-time homebuyers.