Do you know which loan works best for you? Are you looking to obtain a loan to purchase a home? Do you want to refinance your current mortgage? It’s ok if you don’t know the answers. The team at Hall Financial does!

Our mortgage experts can help you from the pre-approval process to when you sign on the dotted line at closing. We are here to help you every step of the way.

Your Loan Options

Fixed Rate Loans

  • Fixed periods of 8 to 30 years available
  • Buy a home with as little as 0% down
  • Refinance up to 97% of your primary home’s value
  • Monthly Payment (principal & interest) will remain the same for the life of the loan

FHA Loan

  • 3.5% down payment required when purchasing a home
  • FHA loans have flexible credit guidelines
  • Refinance up to 97.75% of your home’s value

VA Loan

  • Competitive interest rates are routinely lower than conventional rates
  • Sellers can pay up to 4% of closing costs
  • Higher allowable threshold for debt-to-income ratios than other loans
  • 100% cashout and 0% down payment when purchasing a home

Adjustable Rate Loans

  • 5, 7, and 10 Year ARMs with monthly payments amortized over 30 years
  • The rate stays fixed for the first 5, 7, or 10 years (depending on chosen term), and then adjusts semi-annually thereafter

USDA Loan

  • USDA rural development loans are for homes located in eligible rural areas
  • This program offers fully-amortizing, fixed-rate mortgage financing
  • USDA loans require no down payment

HELOC

  • Home Equity Line Of Credit (HELOC) allows homeowners to borrow money against the equity they have in their home and receive that money as a line of credit
  • If you are a homeowner, you can use this money from your home for home improvements or debt consolidation
  • HELOC Michigan, HELOC Florida, HELOC Tennessee
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