REALTOR AND MORTGAGE EXPERT
Giselle Valencia - Cruz
A licensed REALTOR and mortgage loan officer to serve you best!
HOW IT WORKS
Start your home buying journey with confidence
Know how it works and what to expect, all on your phone.
Apply
Verify
Approve
Approval based on lender review and approval. Terms and conditions apply.
A Pre-approval Letter That Can Beat Cash Offers
Have a fighting chance against home buying sharks and win.
Get Pre-approved
TYPES OF LOANS
With many loans to choose from, we’ll help you get the best mortgage for you.
Using unconventional income or assets to qualify? We’ve got you covered.
CONVENTIONAL
• Buy, Refinance, or Build
• 15, 20 & 30 Year Loans
• 620+ FICO score required
• Can close in two weeks
• $0 Down loans available
• For primary, investment, or 2nd homes
Most popular loan with lowest
rates and fees.
VA LOAN
• Buy, Refinance, or Build
• 15, 20 & 30 Year Loans
• Up to 100% LTV ($0 down)
• Can close in two weeks
• 620+ FICO required
• For primary residence
Lowest rates & payments for our veterans who served!
FHA LOAN
• Buy, Refinance, or Build
• 15 & 30 Year Loans
• 580+ FICO score required
• Can close in two weeks
• $0 Down loans available
• Primary res including multi-unit properties
Best for those who dont have
a lot of money or good credit
USDA LOAN
• Buy, Refinance, or Build
• 15, 20 & 30 Year Loans
• 640+ FICO score required
• Rehab loans available
• $0 Down loans available
• Primary residence only
Very low rates and payments
with 100% LTV
JUMBO LOANS
• Buy, Refinance, or Build
• 15, 20 & 30 Year Loans
• 640+ FICO score required
• Can close in two weeks
• Up to $5M
• For primary, investment, or 2nd homes
Go big! Get a low rate to buy
your dream home.
REFINANCE MY HOME
• Streamline refinances availalbe
• Get a lower rate & payment
• 15, 20 & 30 Year Loans
• Get cash out for anything
• Up to 100% LTV on VA loans
• Up to 90% LTV without PMI
Get cash out and a lower rate that saves lot's of $$$
HELOCs & SECOND MORTGAGES
• First & Second place liens
• Standalone HELOCs
• Flexible repayment options
• 640+ FICO score required
• Can close very quickly
• Up to 95% LTV
• Primary, Investment and Second
Don't wait to do that thing you
want to do. Let's go today!
NEW CONSTRUCTION LOANS
• VA, Conventional & Commercial
• Primary, Investment & 2nd Home
• VA (100% max LTV)
• Conventional (95% max LTV)
• $0 Down loans available
• Used to buy primary, investment, or second homes
Build your dream home with
one closing, not multiple!
COMMERICAL LOANS
• Bank statement loans
• P&L and Asset based loans
• No max unit caps
• DSCR, portfolio loans
• For Commercial / Residential
• Spec home financings &complex deals financed on a case - by - case basis
We can do complex deals other lenders can't.
Or call (812) 399 - 4106 to chat with an expert
Approval based on lender review and approval. Terms and conditions apply. Net benefit outcome based on current loan terms. Commercial underwriting terms and conditions apply.
Need some help with the down payment and closing costs?
Stop thinking you can't afford to become a homeowner.
• Buy a home with very, very little money.
• Some people used less than a paycheck.
Down payment assistance based on eligibility. See lender for more details.Terms and conditions apply.
Calculate your monthly payments, estimate refinance savings, and more!