Turn Your Dream of Homeownership into Reality with VeriFund Mortgage
At VeriFund, we understand that purchasing a home is one of the most exciting and important decisions you’ll ever make. Whether you’re a first-time buyer or an experienced homeowner, we’re here to guide you every step of the way.
Our team is dedicated to making the home-buying process as seamless as possible, starting with getting you approved and finding the perfect loan program to suit your needs.
Pre-Approval Letter
Before starting your home search, it’s important to understand how much you can comfortably afford. That’s where pre-approval comes in—a key step that demonstrates to sellers and agents that you’re a serious buyer with financing ready to go. It’s an essential tool to help you navigate the homebuying process with confidence.
At VeriFund, getting pre-approved is fast, simple, and stress-free. With a VeriFund pre-approval letter, you gain:
- Credibility: Sellers are more likely to accept your offer when they see you’re pre-approved.
- Confidence: Know exactly what you can afford, allowing you to shop smarter and focus on the right homes.
- Speed: Be ready to act quickly on your dream home without delays.
Our dedicated team works efficiently to provide your pre-approval letter, so you can move forward in your home-buying journey with ease and peace of mind.
Get Approved
If you’ve found your perfect home, it’s time to take the next step: getting approved for your loan. Our approval process confirms your financial readiness and secures the financing you need to make your dream home a reality.
At VeriFund, we make the application process quick and stress-free. Our experienced loan officers will work closely with you to ensure you understand your loan options and guide you through every step until closing.
Why Get Approved with VeriFund?
- Confidence in Closing: Secure the financing you need to finalize your home purchase.
- Streamlined Process: With everything in place, you’re ready to move forward without delays.
- Stronger Position: Show the seller you’re fully approved and ready to close, increasing the likelihood of a smooth transaction.
The moment is here, and we’re ready to help you seal the deal. Let your VeriFund team handle every detail to ensure your approval process is smooth and worry-free, so you can focus on starting the next chapter in your new home.
Home Loan Options
FHA Loans
FHA loans are a great option for buyers who might have lower credit scores or limited savings for a down payment. Backed by the Federal Housing Administration, these loans offer more flexible qualification requirements, including lower credit thresholds and smaller down payments—sometimes as low as 3.5%. FHA loans are ideal for those looking to make homeownership more affordable without compromising on their home-buying goals.
VA Loans
Designed exclusively for eligible veterans, active-duty service members, and their families, VA loans provide a powerful path to homeownership. Backed by the U.S. Department of Veterans Affairs, these loans offer significant benefits, including no down payment, no private mortgage insurance (PMI), and competitive interest rates. With fewer upfront costs and flexible credit requirements, VA loans honor your military service by making homeownership achievable and affordable.
USDA Loans
If you’re considering a home in a rural or suburban area, USDA loans might be the perfect fit. Backed by the U.S. Department of Agriculture, these loans offer zero-down payment options and low interest rates for eligible borrowers. USDA loans are designed to promote affordable housing in qualifying areas, making it easier for families to achieve their dreams of homeownership in peaceful, countryside communities.
Down Payment Assistance
Saving for a down payment can feel like a major hurdle, but at VeriFund Lending, we’re here to help. Our down payment assistance programs connect you with grants, loans, and other resources designed to reduce or eliminate your upfront costs. These programs are particularly beneficial for first-time homebuyers or those who qualify based on income or location. Let us help you bridge the gap and step into your new home with confidence.
First-Time Homebuyer Programs
Buying your first home is a significant milestone, and at VeriFund, we’re dedicated to making the process as easy and rewarding as possible. Our first-time homebuyer programs are designed to provide accessible financing options, including lower down payments, reduced closing costs, and competitive interest rates. We also offer guidance and support every step of the way to ensure you feel confident and informed throughout your journey to homeownership.
Adjustable Rate Loans
Our adjustable rate mortgage (ARM) options offer initial lower interest rates, making homeownership more affordable upfront. Perfect for buyers planning to move or refinance within a few years, ARMs provide flexibility and potential savings. We'll help you understand the terms and choose the best option to fit your timeline and financial strategy.
Jumbo Loans
For those purchasing high-value properties, our jumbo loans provide the financing you need with competitive rates and flexible terms. These loans exceed conventional loan limits, making them ideal for luxury homes or properties in competitive markets. We'll guide you through the process, ensuring a smooth and seamless experience tailored to your unique financial goals.
Non-QM Loan Options
A non-qualified mortgage, or non-QM, is a type of mortgage often taken out by borrowers who have the funds to buy a home but are unable to meet the typical mortgage eligibility requirements of a conventional loan or government backed loan. For instance, self-employed workers with irregular incomes might not be eligible for conventional mortgages, which have stricter lending requirements and often require a W-2.
Bank Statement Loans
Designed for self-employed individuals, our bank statement loans make homeownership accessible without traditional income verification. By using your bank deposits to demonstrate income, this flexible option helps you achieve your goals with ease and simplicity.
1099 Loans
For independent contractors and freelancers, our 1099 loans provide a tailored solution that uses your 1099 forms to verify income. With competitive terms and personalized guidance, we make the path to homeownership straightforward and hassle-free.
Foreign National Loans
Our foreign national loan programs are designed to help non-U.S. citizens invest in real estate. With flexible qualification requirements and expert support, we simplify the process to make your property goals a reality.
Asset Qualifier Loans
Leverage your assets to secure financing with our asset qualifier loans. Perfect for borrowers with significant savings or investments, this option offers flexible terms without the need for traditional income documentation.
P&L Loans
Our P&L loans provide self-employed borrowers with an option to qualify using profit and loss statements. This streamlined approach makes securing financing for your dream home both efficient and stress-free.
40-Year Loans
Enjoy lower monthly payments and increased affordability with our 40-year mortgage loans. This extended term option is perfect for buyers seeking long-term flexibility and financial comfort.
Interest Only Loans
Reduce your initial monthly payments with our interest-only loans, ideal for buyers wanting lower costs upfront. This flexible option helps you manage your finances while working toward your homeownership goals.
