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We Provide Soft Credit Check
A soft credit check (or soft inquiry) is a review of your credit report that does not affect your credit score. It’s often done by lenders, employers, or individuals checking their own credit. Soft checks are used for purposes like pre-approvals for loans or credit cards, background checks, or monitoring your credit history. These inquiries are visible only to you, not to potential lenders.
Ron Moyal
Realtor - Mortgage Broker - Branch Manager - Preapprovals.com© - Spirit Real Estate Group
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CEO of United Wholesale Mortgage - Owner of the Phoenix Suns (NBA TEAM) - #65 FORBES 400 (2024)
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Loan Programs
There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:
Conventional (Fannie Mae & Freddie Mac) Loans
- As Low as 3% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 620 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- Monthly Mortgage Insurance
- Not Required with 20% or More Down Payment
- Automatically Cancels at 78% LTV (Loan-to-Value)
- $726,200 Maximum Loan Amount
FHA (Federal Housing Administration) Loans
- 3.50% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 580 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
FHA 203k (Home Renovation) Loans
- 3.50% Down Payment
- Streamline 203k Loan
- Use for Cosmetic and Common Repairs up to $35,000
- Standard 203k Loan
- Use for Extensive Repairs Over $5,000
- 620 Minimum Credit Score
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
VA (Veterans Affairs) Loans
- Zero Down Payment – 100% Financing
- 580 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
- Financed into Loan Amount
- Will Vary Depending on Down Payment and Subsequent Use
- No Mortgage Insurance
- No Maximum Loan Amount
First-Time Homebuyer Loans
- Down Payment Requirements
- Conventional – 3% (Can be Gifted)
- FHA - 3.50% (Can be Gifted)
- VA - 0% (Zero Down Payment)
- USDA – 0% (Zero Down Payment)
- Down Payment Assistance
- Conventional – Up to 3% (Restrictions Apply)
- FHA – Up to 3.50% (Restrictions Apply)
- Credit Score Requirements
- Conventional – 620+
- FHA – 580+
- VA – 580+
- USDA – 640+
Investment Property Loans
- 20% Down Payment
- 620 Minimum Credit Score
- DSCR (Debt Service Coverage Mortgage)
- Qualify Based on Rental Income
Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.
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See If you qualify for a low down payment option
See how much you qualify for with our quick qualifier! Just enter your zip code to get started. We will tell you how much you qualify and send a pre-qualification letter on completion.
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Get The Right Loan For You!
Whether you are looking to refinance to save on your monthly payments with today's historic low rates, or looking to get pre-qualified to compete with cash offers, we can help!
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Fund Your Loan Today
With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!
VA Loan Program with Zero Down!
We are thankful for our veterans service and we would like to help get you into a new home with zero down!
Fill out this quick form and if you are active duty, veteran or spouse of a veteran and were honorably discharged we will do our best to help you get funded with the VA Loan Program.
In addition to zero down, the VA loan limits closing costs and requires no private mortgage insurance (PMI) or early payoff penalties.
Monthly Payment Mortgage Calculator*
Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
Loan Services at the Real Estate Center of Lewisville, Texas
At the Real Estate Center of Lewisville, Texas, we know that finding the right home loan is just as important as finding the right home. That’s why we offer a full suite of mortgage services designed to simplify the process and deliver tailored financing solutions that meet your needs. Whether you’re buying your first home, refinancing, or investing, our expert mortgage specialists are here to guide you every step of the way.
Why Choose Us for Your Mortgage Needs?
Our mission is to make home financing accessible, affordable, and stress-free. With a team of experienced loan professionals, competitive rates, and a commitment to personalized service, we help you achieve your homeownership goals with confidence.
- Wide Range of Loan Programs: We offer conventional, FHA, VA, jumbo, and conforming loans, as well as specialized programs for unique situations.
- Competitive Mortgage Rates and Fees: Enjoy some of the lowest rates and fees in the industry, ensuring you save money over the life of your loan.
- Fast and Reliable Service: Our streamlined processes help you secure pre-approvals and close on your loan quickly.
- Dedicated Support: From application to closing, our team is here to answer your questions and provide expert advice.
Loan Programs We Offer
Conventional Loans:
Perfect for buyers with good credit, these loans offer flexible terms and competitive rates.
FHA Loans:
Designed for first-time homebuyers and those with lower credit scores, FHA loans require a smaller down payment, making homeownership more accessible.
VA Loans:
Exclusive to military service members, veterans, and eligible spouses, VA loans offer no down payment and reduced closing costs.
Jumbo Loans:
For luxury homes or properties exceeding conforming loan limits, our jumbo loans provide the financing you need with competitive terms.
Conforming Loans:
Loans that meet Fannie Mae and Freddie Mac standards, offering predictable terms and lower rates.
Refinance Loans:
Looking to lower your interest rate, reduce your monthly payment, or access home equity? Our refinancing options can help you achieve your financial goals.
Our Loan Services
Pre-Approval Letters:
A pre-approval is a crucial first step in your home-buying journey. We provide quick and reliable pre-approval letters that strengthen your offer and give you an edge in competitive markets.
Custom Mortgage Quotes:
Every buyer is unique, and so is every loan. We provide tailored mortgage quotes with clear terms, helping you make informed decisions.
Low Rates and Fees:
We’re committed to offering the lowest rates and fees possible, ensuring you get the most value from your mortgage.
Guidance Through the Process:
From the initial application to the final signature, we guide you through every step of the loan process, ensuring clarity and confidence.
Why Work with the Real Estate Center of Lewisville, Texas?
- Local Expertise: We understand the Lewisville market and can offer insights that national lenders can’t.
- Comprehensive Support: With both real estate and mortgage services under one roof, we simplify the home-buying process.
- Personalized Solutions: Our team takes the time to understand your financial goals and matches you with the right loan program.
- Transparent Communication: No surprises, no hidden fees—just clear, honest advice you can trust.
Start Your Loan Journey Today
Ready to explore your mortgage options? Whether you’re buying a new home, refinancing, or investing, the Real Estate Center of Lewisville, Texas, is here to help. Contact us today to speak with one of our mortgage specialists or get started with a free mortgage quote online.
Let us help you find the perfect financing solution for your homeownership dreams!