gracie perez servicies

My Services

There’s a home loan made just for you and your circumstances.

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Refinancing

For people who want to change it up a bit

Refinancing could save you thousands of dollars, cut down the length of your loan, reduce your interest rate, and even pay for your next home investment (if you choose a cash-out refinance). Speak to one of our experts to see how refinancing can change your life. 

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DPA

For people who could use the extra support.

Get loans or grants that reduce the amount that you need to save for a down payment. Provided you qualify, you could receive an outright grant or a low– or no–interest loan to cover your down payment. 

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FHA

For people who need more flexibility.

It’s provides mortgage insurance on loans made by FHA-approved lenders. An FHA Loan is a mortgage that’s insured by the Federal Housing Administration. They allow borrowers to finance homes with down payments as low as 3.5% and are especially popular with first-time homebuyers.

FHA loans are a good option for first-time homebuyers who may not have saved enough for a large down payment. Even borrowers who have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.

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Conventional

For people with a good credit score.

Refers to a loan not insured or guaranteed by the federal government but offers lower rates with a moderately higher down payment to provide more flexibility with fewer restrictions

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Jumbo Loan

For people with excellent credit looking to buy a luxury property.

In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender.

Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don’t cover the full loan amount, the loan is referred to as a “jumbo mortgage”.

Self Employed

For entrepreneurs.

Bank statement loans are a type of loan that allows you to get a mortgage without the documents that most loans need to prove your income. They are also known as “self-employed mortgages” or “alternative documentation loans.” Bank statement loans can be used if you work for yourself or own a business.

USDA

For people who love the countryside.

A loan from The United States Department of Agricultural (USDA) is a mortgage option providing affordable financing for properties located in rural or small towns. This program is designated to help low-to-moderate-income families achieve homeownership, offering a no down payment option. Live comfortably outside city limits with a USDA loan. 

VA

For people who serve our country.

A loan from The Department of Veteran Affairs (VA) welcomes US Veterans, current service members, and surviving spouses to achieve homeownership with a 0% down payment. This federal government backed loan provides affordable options for veterans and their families looking to finance their homeownership dreams. 

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Ready to #CloseWithGrace?

Gracie Perez

Branch Manager

NMLS 466273
972.878.8823
574.551.6628
The legacy team
cardinal financial company limited logo