MORTGAGE LENDING
The right mortgage isn’t just about rates—it’s about making the right decision for your overall financial future.
Our advisors provide hands-on guidance from pre-qualification through closing, helping you understand your options and avoid common pitfalls. Because we work with a network of trusted lenders, you gain access to a broader range of solutions tailored to your specific needs.
More importantly, we help you make mortgage decisions in the context of your full financial plan—so everything works together, not in isolation.
THE MORTGAGE PROCESS
Purchasing a home is one of the most important events that you and your family will experience. It can be very exciting but, sometimes a bit stressful. InTouch Realty Services is here to help; our goal is to provide you with the most exceptional service while reducing stress.
We are a family of trusted Mortgage Professionals who, through high integrity, take pride in creating lifelong relationships and helping home-owners achieve the American Dream of home-ownership. InTouch Realty Services is dedicated to your excellence and success. We’ve spent the past 5 years developing the most advanced mortgage process software that will ease your stress levels and ensure that you have a pleasant mortgage experience, the way it was meant to be. We will keep you informed throughout the entire process. Our Team of Mortgage Professionals have a vast array of experience in all aspects of the home buying process from Real Estate to Mortgage
Financing and Underwriting to Closing. Finding the right lender is just as important as finding the right home for you and your family. We are excited and privileged to be working with you; this wonderful journey will lead you to your dream of owning a brand new home.
Refinancing Home Loan Options
LOWER YOUR PAYMENT
Refinancing your home can result in a lower monthly payment. Learn about the best loan to help reduce your monthly payment.
REDUCE YOUR RATE
Rates are lower than in the past. In Touch Mortgage Services has access to great rates and home loan programs that could reduce your rate.
GET CASH OUT
Refinancing your home can result in a lower monthly payment. Take to our loan advisors about the best loan to help reduce your monthly payment.
REDUCE YOUR TERM
Take years and interest payments off your loan by reducing the term of your loan. Most loans offer 25, 20, 15 and 10 year terms.
Our Home Financing Programs
Fixed Term Loans
30, 25, 20, 15, 10 Years
Purchase or Refinance
Fixed for the Term
Fannie Mae, Freddie Mac Loan
3% Down Available
First Time Home Buyers
Primary, Secondary, & Investment Properties
Jumbo & Non-QM Programs
Adjustable Rate Loans
30, 25, 20, 15, 10 Years
Purchase or Refinance
Typically a Lower Payment
Fannie Mae, Freddie Mac Loan
3% Down Available
First Time Home Buyers
Primary, Secondary, & Investment Properties
Jumbo & Non-QM Programs
Government Loans
FHA, VA and USDA
Purchase or Refinance
Government Backed Loan
Down Payments as low as 3.5%
Good for borrowers with less than-perfect credit
VA Loans for Veterans, Active Military and Spouses
Primary Residences Only
Commercial Loans
Multi-Use & Investment
Purchase or Refinance
Fix & Flip Investment
Mixed Use Properties
Light Industrial & Warehouse Properties
Many Down Payment Options
Mixed Use Options
Reverse (HECM) Loans
Gain Access to the Equity in Your Home
Purchase or Refinance
Primary Residence
HUD approved Condos
Manufactured Properties (Meets FHA Guidelines)
Fixed Line of Credit or Monthly Installments
Single Family or 1-4 Unit
MORTGAGE FAQs
Our Team has the Answers
-
The type of loan that you need varies on a few things; how long do you plan on staying in your home, if your income is fixed or does it vary, what are your expectations of income in the future.
-
A buydown rate is when you are able to pay additional points up front to have the rate reduced.
-
Points are based on a percentage of the loan amount the lender charges. Points are often referred to as basis points with 100 basis points equaling 1%.
-
Typically the higher the better, but a minimum credit score of 640 is required for most loans.
-
The debt ratio is a percentage of your debt to income. There are two ratios, the top ratio and the bottom ratio. The top ratio is the housing ratio; this is the total housing debt, i.e, mortgage payment, taxes and insurance divided by your income. The bottom ratio is called the debt ratio, and it is the total of all debt obligations, housing, credit cards, loans divided by income.
Getting Pre-Approved
Getting pre-approved is an important step in the Mortgage Process. Without a proper pre-approval, you won’t know what you qualify for; this could lead to unnecessary frustration down the line. Many people make an assumption that they don’t need a pre-approval because they may have 720 fico, make good money and have money in the bank. That is a misconception, without a pre-approval you won’t know if you qualify and you will not be able to make an offer on your dream home. A pre-approval will help you determine which mortgage fits your circumstances.
Your Loan Officer will work with you so that you can figure out what payment, required down payment and type of financing best fits your current financial status.