Whether you’re a first-time homebuyer or just settling into your retirement oasis, purchasing a new home is exciting, but sometimes unnecessarily stressful. Finding, applying and ultimately receiving a mortgage loan has been a notoriously complicated and intimidating process. That’s why Dustin DiMisa, CEO of InterContinental Capital Group, has made it his mission to streamline the home loan process while taking the time to understand each client’s unique needs and circumstances.
Are you crunched for time?
Have you found a home you love and want to move in immediately, or are pressed to find a property quickly? No matter the circumstances, finding a mortgage that is free of roadblocks to help speed up the process should be your top priority. Own It Home Loans can close mortgages in as little as 14 days by eliminating typical closing delays.
With a wide array of services, there are options available for everyone depending on their region and financial or personal situation.
Something for everyone
Some borrowers, NerdWallet explains, can qualify for mortgages that allow for smaller down payments. The following options are all available through ICG and its affiliates:
USDA Loans – The Department of Agriculture might guarantee a low- or no-down-payment mortgage if you plan to live in a rural area. It can sometimes cover closing costs as well. FHA Loans – When the Federal Housing Administration insures a mortgage, you can make a down payment as low as 3.5%. You will pay for mortgage insurance for the life of the loan, but they are more forgiving of low credit scores. ICG is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee to be able to offer government-insured Federal Housing Administration Home Loans for our clients.
VA Loans – If you are a prior or current Reserve/National Guard member of the Armed Services or certain other type of government employee, you may qualify for a VA Home Loan through Veterans Community Home Loans. Dustin DiMisa created Veterans Choice to offer less expensive financing options to veteran homebuyers. You don’t have to be a first-timer to benefit from this program, which requires no down payment and 100% financing if the sales price does not exceed the appraised value.
Find out if you’re eligible for a VA Loan with Veterans Community Home Loans and let our knowledgeable staff navigate you through your options.
Conventional Loans – Commonly accessible to first-time or low- to moderate-income borrowers, conventional loans can allow for down payments as low as 3%. ICG is licensed to offer Conventional Financing for our clients. ICG also provides other standard loan options as well as refinancing and reverse mortgages. Before making a final decision on a home loan, Investopedia recommends checking your credit report and making credit, capacity and collateral – when evaluating your application.
The ICG loan process
InterContinental Capital Group offers a wide array of loans for first-time and mature homebuyers. We can provide home loans without taking collateral beyond the property that needs financing. Part of streamlining the home loan process is being transparent about eligibility requirements. As long as you are a U.S. citizen or permanent resident over 21 years of age and have a steady source of income, you can be considered eligible for a home loan with ICG.
After applying for a loan, ICG pairs you with a mortgage specialist licensed in your state to assist you with all local regulations and policies. Our pioneering approach utilizes digital tools and technological advantages to further help streamline the process and keep you informed with updates along the way.
If you want to learn more about InterContinental Capital Group, Own It Home Loans or Veterans Community Home Loans, don’t hesitate to reach out to one of the helpful representatives at ICG today. With licensed mortgage experts in nearly every state and a diverse selection of loan options, we can assist you in finding the right home loan for your current and future needs.
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