Home Loans

Mortgage Financing

Pre-Approval Accelerates the Buying Process

Pre-approval for financing is the single most important step in purchasing your new home. It tells sellers that you are ready and able to submit serious offers, which in turn makes them more enthusiastic about negotiating with you.

Our expert loan consultants will walk you through the process and match you with the best rate and terms for your unique situation. Even if your finances or credit make it difficult for you to purchase today, our promise is to put you on a path to purchase your home within just six months.

These days, most listings ask for pre-approval letters because the seller only wants to spend time with buyers who are actually prepared to buy. Simply put, we cannot overstate the benefits of taking this important first step and Granite Equity Group is here to help.

Granite Equity Group has access to the lowest rates and best terms on the market.

Get a Free No-Obligation Quote on a New Home Loan or Refinance!

GRANITE EQUITY HOME LOAN NICHE PRODUCTS

• Cal HFA- FHA Loan with only 1% down payment. 640 score required , owner occupied only. Max loan amount is $417K. Must not exceed income limits (based on total occupants living in the home). Here’s the link…
  http://www.buywithmi.com/gettingready/education.html
  
• FHA FLIPS- under 90 days, and with more than a 20% profit ! We do them !!!
  
• HOMEPATH- No MI, no appraisal required, must be a FNMA HomePath property.
  
• HOMEPATH (97% LTV for O-O and 85% LTV for Investor)-REO Listings.
  
• MANUFACTURED- Yes, we’re doing loans for manufactured homes again !
  
• USDA- Zero down and NO MI !!! USDA has $12 Billion for rural properties!
  
• EEMs - FHA and VA loans.
  
• VA- Zero down and No MI !!!
  
• CHF PLATINUM - FHA with a 620 score, 3% Grant for down payment!

PORTFOLIO PRODUCTS

• Income Verification per DU
  
• FNMA DU REFI PLUS to 125% LTV (no financed property limits).
  
• N/O/O – 10 Financed properties ok! (4 max for credit under 720).
  
• Cash Out IMMEDIATELY upon cash Purchases (Call for details).
  
• Cash-Out Available 1 day off MLS for O/O only.