OUR PROGRAMS
Hughes & Hughes Financial Services not only offers credit repair services to clients but also different home loan programs specially for clients in Southern California seeking low cost and affordable loans that match your needs based on your financial capacity. Listed below are some of the Home Loan Programs:
MORTAGE HOME LOANS PROGRAMS
: mortgages that offer you peace of mind, you lock in to today's super low mortgage rates, and are guaranteed to keep these low mortgage rates for the duration of your loan. The interest you pay varies with how much money you put down. Some mortgages require very little cash down, but at higher interest rates. These mortgages are usually for those with a good credit history.
No Money Down Mortgages: as good as it gets for those with good credit. Get a mortgage today without any cash down; the catch is higher closing costs that get rolled into the mortgage loan.
VA Mortgage Loans: these Veteran Affairs mortgages are only for qualified veterans, their unmarried widows, Public Health Service Officers and active-duty servicemen. But those who qualify usually enjoy lesser down payments on their mortgages, more lenient mortgage requirements and lower interest rates. These mortgages are limited to $240,000 and you must intend to live in the house. These mortgages cannot be used for rental properties. Having served your country loyally, you are now a click away from the joy and prestige of owning your own home.
FHA Mortgage Loans: these Federal Housing Administration mortgages have similar benefits to VA mortgages. They are insured by the government and therefore usually require a lower down payment and are easier to qualify for than conventional mortgages, as well typically cheaper interest rates on these mortgages.
Adjustable Rate Loans (ARM's): mortgages that let you enjoy the benefit of immediate low interest rates, but the interest rate on these mortgages increase over time. These mortgages adjust in various cycles, with the rise based on different indexes. These mortgages have maximum yearly interest increases, as well as interest rate limits on the life of the mortgage.
Jumbo Mortgage Loans: these are simply mortgages over $322,700. These mortgages are usually half a percent to one percent higher than conventional mortgages.
Home Equity Loans: these mortgages let you enjoy the equity built up in your home, giving you the power to decide how best to benefit from all that money you have locked-up in your home. This type of mortgage gives you the freedom to pay off higher interest loans, make home improvements, or pay for college tuition while taking advantage of today's low mortgage interest rates, as well as benefits from a possible tax deduction.
Bad Credit Mortgage Loans: if your credit is less than perfect, that does not mean you can never buy a house. Some of our lenders specialize in offering mortgages to everyone, regardless of past mistakes, but the interest rates on these mortgages are usually higher. Just CLICK HERE, to find out how you too can finally own your own home. |
