Home Purchase Loans
Gold Mortgages of America would like to be the first to congratulate you on your new home purchase! We know this is one of the biggest financial decisions you will make in a lifetime and we want to make it as easy and enjoyable as possible.
We offer a wide variety of home purchase loan programs that fit the needs of every home buyer regardless if you’re a First Time Home Buyer or if this is your fifth home you’re purchasing.
Here are just a few options we have to offer:
|FHA Loans||3.5% Down Payment|
|VA Loans||0% Down Payment|
|Conforming Loans||5% Down Payment|
|Conforming Jumbo Loans||5% – 10% Down Payment|
|Jumbo Loans||10% Down (NO PMI Mortgage Insurance Required)|
ATTENTION – What First Time Homebuyers Should Know!
A smart homebuyer is a happy one. There are many common mistakes that homebuyers make during the mortgage process. Get started on the right path by avoiding some of the biggest missteps buyers can make.
Loan limits will vary depending on the loan program (FHA, VA, Fannie Mae & Freddie Mac) State, and County you live in. It is very important that you call and speak with us so we can determine your loan limit for the loan program you want.
If this is your Primary Residence, Investment Property or a Vacation Home, we have a home purchase loan to fit your needs. If you are not sure on what program you need or qualify for please complete our Prequalification Form or call and speak to one of our knowledgeable home purchase advisors at (949) 891-5598.
We also have a wide variety of loan programs that can keep your mortgage payment as low as possible.
- 10 Years to a 30 Year Fixed Rate and Adjustable Rates Available
- If you’re not planning on keeping the home for a long time, we also offer 7 Year ARM, 5 Year ARM, 3 Year ARM, 1 Year ARM, and Interest Only Programs
Bad/Imperfect Credit? Not to Worry!
As a Direct Lender we are capable of providing a wide variety of loan programs even if you don’t have perfect credit. Even if you feel that your credit may not be high enough we can still analyze your credit scores to help you find a suitable loan program that provides you with benefit.