You Find the Home, I'll Find The Loan.
Let's Begin!
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
A bank statement loan is a great loan for borrowers that can't show their income on a tax return. These are usually used for self-employed borrowers or 1099 employees. Some lenders will allow for w-2 wage earners use this loan.
Typically, these require a 620 or higher credit score for these
The way these loans work is we take the average deposits over a 12- or 24-month period and come up with a monthly income.
A construction loan allows you to build the home of your dreams. You can get a construction loan for as little as 5% down depending on the lender. In some cases, if you own the land, it can be used as your down payment.
The construction loans we offer you close one time to save on closing costs unlike some loans that require a closing upfront and another time at the end.
Renovation loans are a great loan that allows you to buy a destressed home or aged home and make it into the home of your dreams.
These can also be used to refinance your home into your needs instead of having to move into a more suitable home. These are like mini construction loans and will many of the same things as a construction loan.
There are 2 types of renovation loans, conventional and FHA 203k.
DSCR loans are a great loan for investors. An investor can finance as many as 20 rental properties based on the rental income of the property. Loan amounts can be as high as 3 million dollars depending on the property location and type. They also usually have a minimum loan amount requirement of 100,000.
Most of these loans will require at least 20% down and rates can be higher than traditional financing.
The Loanzify App guides you through your mortgage financing and connects you directly to your loan officer and realtor.
Calculate how much your monthly mortgage payment could be.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
See All Mortgage CalculatorsCall Chris First - Chris Montz is a leading mortgage broker that offers a wide range of loan solutions to help individuals achieve their homeownership dreams. Whether you're a first-time homebuyer or looking to refinance, our experienced team is committed to providing personalized and reliable mortgage services. We specialize in offering FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Conventional Loans, Commercial Loans, Reverse Mortgage, Nonqm Loans, and Bridge Loans. Our dedication to finding the best loan options for our clients sets us apart, ensuring a smooth and stress-free mortgage process.
In Birmingham, Call Chris First - Chris Montz is proud to be a trusted mortgage partner for residents in the heart of Alabama. Our team understands the local housing market and is dedicated to helping Birmingham residents secure the right loan for their unique needs. Whether you're looking to purchase a new home or refinance your current mortgage, we are committed to providing exceptional service to the Birmingham community.
In Huntsville, Call Chris First - Chris Montz is dedicated to serving the needs of homebuyers and homeowners in this vibrant city. Our team of mortgage professionals is well-versed in the specific requirements of the Huntsville market, and we are passionate about guiding our clients through the mortgage process with expertise and care. From understanding the intricacies of VA Loans to finding the best commercial loan options, we are here to support the Huntsville community every step of the way.
In Mobile, Call Chris First - Chris Montz is honored to be a valued resource for individuals seeking mortgage solutions in this beautiful coastal city. With a deep understanding of the local real estate landscape, our team is committed to providing personalized guidance and reliable loan options tailored to the unique needs of Mobile residents. Whether you're interested in a reverse mortgage or exploring Non-QM loan possibilities, we are dedicated to helping the Mobile community achieve their homeownership goals.
Other cities in Alabama can also count on Call Chris First - Chris Montz for expert mortgage assistance and a commitment to exceptional service. Our mission is to provide reliable loan solutions and personalized support to individuals across the state, ensuring a positive and seamless mortgage experience for every client we serve.
An easy way to know your next step
Break down the terms and acronyms that will be used
Learn what loan options are available
Learn about current topics and trends
The list of documents you need to get started
Contact us for a free consultation to get your questions answered