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If you are looking to remove your FHA Mortgage Insurance, you've come to the right place!
Who Can Refinance with a conventional loan?
If you have an FHA loan and looking to cash out, most likely you'll need this type of loan. Anyone who is currently employed and has sufficient income to pay for the loan, and is paying off debt. If you're refinancing to cash out to pay some bills, or want to work on your business idea, or remove someone from the loan or title, also if you are considering removing the mortgage insurance, it is also the type of loan that you'll need. Our "agency" conventional loans have the lowest rates in the market.
Interested in Refinancing?
Are you thinking of refinancing your mortgage?
Book your Quote Now. No SSN Needed. Sales Free Loan Benefit Analysis.
Contact Us
Are you thinking of refinancing your mortgage?
Book your Quote Now. No SSN Needed. Sales Free Loan Benefit Analysis.
Contact UsAGENCY CONVENTIONAL- REFI OR PURCHASE (10-30 YEAR FIXED)
- Minimum Loan Amount $125,000
- Maximum Loan Amount to County Loan Limit
- Manufactured Housing Okay
- Removes Mortgage Insurance if Refinancing
- Max Cash Out to County Loan Limit
- Purchase/Refinance
- Owner Occupied/Investment/Second Home
- 700+ FICO, up to 85% LTV
- 2nd Home, Investment to 85% LTV, 45% DTI SFR-4 Units
- Mortgage Insurance is Removed when LTV is 79.99% or less.
- 40%-55% DTI depending on FICO, & LTV
- Competitive Rates
- Flexible Terms (8-30 years)
- No Pre-Payment Penalties
- 30 year amortization
- Ideal for primary purchases & Owner Occupied
- Wage Earner (W2) or Self-Employed
- SWT (Single Wide Trailers), MWT(Multi Wide Trailers), Condo's, PUD's, SFR's, SFR 1-4 units
- Close most loans in less than 19 days or less
- Lowest Mortgage Insurance Cost in the Country
- 2-3 Month Minimum Reserves, depending on automated finding
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3% to 5% Conventional Loan Purchase
Anyone who has enough income to place a 3% to 5% down or so, you have to qualify and have the income to service this debt, is ideal for this loan. Young professionals to seasoned executives qualify to use this loan.
You can purchase with 3% down using conventional loans and depending on county loan limits.
Who is this conventional loan good for? It's good for someone who wants to lock in a higher loan amount, higher than the traditional FHA loan will go, up to $970,800 in certain counties for a single family residence purchase. This places you above the FHA loan limit, and it places you in programs with 3%-5% down. If you enter the purchase with 10% down, we guarantee you the lowest rate, and the lowest mortgage insurance in the country.
Who Can Refinance with a conventional loan?
If you have an FHA loan and looking to cash out, most likely you'll need this type of loan. Anyone who is currently employed and has sufficient income to pay for the loan, and is paying off debt. If you're refinancing to cash out to pay some bills, or want to work on your business idea, or remove someone from the loan or title, also if you are considering removing the mortgage insurance, it is also the type of loan that you'll need. Our "agency" conventional loans have the lowest rates in the market.
AGENCY HSF 20% Down Purchase (10-30 YEAR FIXED)
- No MI (Mortgage Insurance)
- Purchase Prices Upwards of $1,007,300.
- Terms/Conditions Same As Above
- Best Guaranteed Rate
- Lower Rates than retails banks, federal or local credit unions, or middle market lenders
- No Pre-Payment Penalties
- 30 year amortization
- Wage Earner (W2), Corporations, Owner Users, Investors, Real Estate Property Managers, Realtors, Doctor's, Accountants, Professionals, Self-Employed
- 20% DOWN
- 1 Month Minimum Reserves, depending on automated findings
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FLEX LOAN TERMS
- Available on all loans, owner occupied, second homes, investor loans
- As low as 8 Years
- Custom to your current remaining years, so you lock in the new lower rate with the same years left on your current mortgage
- 22 Years, 18 Years, 19 Years, 27 years, highly customizable loans to meet your needs
BOOK FREE QUOTE NOW
AGENCY HSF ARMS (5-, 7- AND 10-YEAR)
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We have our 5-, 7- and 10-year adjustable-rate mortgages
- Conventional 5, 7, and 10 year
- 700+ FICO, up to 80% LTV
- Primary, second, and investment properties on purchase, rate/term and cash out refinance
- $125,000 minimum loan amount
- Conventional 5, 7, and 10 year
- 640+ FICO, up to 95% LTV
- Primary, second, investment, purchase, rate/term and cash out refinance
- Conventional High Balance 5, 7, and 10 year
- 700+ FICO, up to 80% LTV
- Primary, second, and investment properties on purchase, rate/term and cash out refinance
- Loan amounts from $647,200 up to county loan limit
- Conventional High Balance 5, 7, and 10 year
- 640+ FICO, up to 95% LTV
- Primary, second, investment properties on purchase, rate/term refinance and cash out refinance
- Loan amounts from $647,200 up to county loan limit
- Conventional 5, 7, and 10 year
BOOK FREE QUOTE NOW
REFINANCE & Remove Mortgage Insurance
HSF's exclusive loan product that REMOVES mortgage insurance on conventional loans with a higher loan to value between 80% and 89.99%.
- Conventional 30-year fixed only; Flex Term not available
- Available for primary and second home purchases and rate/term refinances
- LTV between 80.01 and 89.99%
- Up to 45% DTI
- 680+ FICO
- Loan amounts starting at $200,000
- Free MI Loan Program for High High Balance Loans for loan amounts over the county loan limits
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AGENCY HSF 3% DOWN (PURCHASE LOAN)
Ideal for the first-time homebuyers with the 3% Down program.
- Purchases LTV to 97%
- Lower Payments than FHA
- Lower Mortgage Insurance Payments than FHA
- W2 or Self Employed, Doctor, CPA, Professionals
- No Income Restrictions
- Available in CA, FL,CO
- Lowest Mortgage Insurance in the Country
- Eligible for single family homes, including townhouses and condos
- At least one borrower must be a first time homebuyer
- Loan will close in less than 10 Days
- Available on single- and multi-wide, condos and PUDs for Manufactured Homes with LTV up to 95%
- Maintain your assets and lever the property for higher return on investment for first time home buyers in luxury or secondary markets
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HOPE STREET FUNDING
Licensed by the California Department of Real Estate/BRE: #2128366
Licensed by the National Mortgage Licensing #2040148
Equal Opportunity Lender
Approved in California, Colorado and Florida.
TERMS AND CONDITIONS APPLY
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