Use our free home purchase qualifier to see what you can afford.
I don’t have money to put down on a home
I want to buy a house that needs some work
I’m a veteran or I’m actively serving in the military
I don’t have a lot of money for a down payment
I want to put more money down for better options
I want the lowest rate of interest available
I need a loan over $425,000
I would like to live in a rural area
Me or my spouse are over 62 and want cash out with no payment
RHF offers multiple options for customers looking to purchase a home with little to no money down. These options include USDA and VA Loan financing for up to 100%; meaning no down payment.
Most people think renovation loans are designed for houses that are in need of major rehabilitation. However, they are far more than just that – they can include a vast range of projects, like bathroom remodeling, roofing, flooring, room additions, air conditioning systems, and even new appliances! These can all be funded with a renovation loan which covers not only the cost of the property, but also the cost of necessary home repairs. Turn a place with potential into the home of your dreams with a renovation loan.
We offer several products for minor or major upgrades on your home. Our renovation programs make it easy for you to improve your property by including the extra financing in a purchase or refinance loan.
HomeStyle® prevents borrowers of a purchase or refinance from having to get a second mortgage to renovate and is offered to both homebuyers and investors.
A renovation program makes it convenient for you to improve a property by including the extra financing in a purchase or refinance loan.
Homeowners whose homes need improvement can also refinance with these loans.
Perfect for first-time buyers, low-to moderate-income, buyers with limited cash, and for those who have minor credit problems. The first step in obtaining your rehabilitation loan is getting in contact with a loan officer who will walk you through the process and guide you the entire time.
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Get your FREE renovation loan rate quote here!
Get a FREE quote on a renovation loan and find out how much you qualify for.
Get a FREE quote on a VA loan and find out how much you qualify for.
We at RHF are incredibly grateful to our active military and veterans who have served our country. We want to do everything in our power to get you into the home you deserve. Read on to see what a VA loan offers.
At Residential Home Funding, we created the Mortgages for Champions Program as a thank you to our selfless, hardworking champions in the following industries: EMT, Firefighting, Government, Law Enforcement, Medical, Military, and Education. We acknowledge and appreciate what each you do for us and our communities. Because of your selfless dedication, we proudly offer you a special, discounted mortgage.
Our mortgages for champions discount program waives all of our lender fees. Lender fees – also called lender closing costs – are applied by all mortgage lenders (even banks), and can sometimes surpass $1,700. These lender closing costs are removed by us, which include NO application fee, NO processing fee, NO underwriting fee, and NO commitment fee.
Visit our Mortgages for Champions website and learn more here.
VA loans are some of the most inexpensive loans available today! On top of that, you don’t need perfect credit to qualify. Even if your credit is below 600, we may be able to work to get you qualified. So reach out today and get your free rate quote!
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An FHA loan is a loan insured by the Federal Housing Administration. They do not underwrite the loan, they simply insure it for the lender.
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An ARM – adjustable rate mortgage – is a home loan with an initial fixed interest rate that changes after a specified period of time depending on current market conditions.
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Conventional loans may be conforming or non-conforming. Conforming loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac.
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A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program offered by the United States Department of Agriculture.
The USDA has one of the least known mortgage assistance programs, so if you prefer pastures to pavement, a USDA loan may be right for you. We understand that, and want to do everything we can to put you in the home that fits your exacts needs.
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Jumbo financing refers to loan amounts that are above the Fannie Mae or Freddie Mac conventional guidelines.
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Get a FREE quote on a reverse mortgage and find out how much you qualify for.
It’s important to know exactly what you’re paying each month before you apply for a mortgage. Anyone can take the home property value and enter it into a mortgage calculator to determine the monthly amount. While a mortgage calculator is great for calculating your monthly payments, there are a lot more factors that get calculated into the price the calculator misses which may result in a higher payment.
When applying for a mortgage, it’s very important that you find a loan program or product that fits your specific financial situation and goals. At Residential Home Funding Corp., our loan officers spend time looking at your financial situation, your qualifications, and talk with you to give you the best options available for your personal needs. Our extensive reviews boast 5-star customer satisfaction for a reason.
If you’re trying to figure out what you’ll be paying your lender each month, consider all the costs associated with a mortgage payment and your mortgage rate. You start with the home’s price, which will be driven by the health of the housing market. Your credit score is also a huge factor, as is down payment, loan program and DTI.
While the mortgage calculator is a wonderful resource for calculating your monthly payments, keep in mind that more factors go toward the price besides what is represented by the calculator. Hopefully, this breakdown showed you where your monthly payment goes each month and puts your mind at ease.
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We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.
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