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Home Purchase Options

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Home Purchase Options

Unlock Your Dream Home with the Right Loan

At Stigler Mortgage, we understand that purchasing a home is a significant milestone in your life. Finding the perfect home is just the beginning, and securing the right loan is crucial to making your dream a reality. Our expert team is here to guide you through a range of Home Purchase Loan options tailored to your needs and financial goals.

Fixed-Rate Mortgage

If you prefer stability and predictability in your monthly payments, a Fixed-Rate Mortgage might be the perfect choice for you. With a fixed interest rate, your principal and interest payments remain the same throughout the life of the loan.

Benefits:

- Predictable monthly payments.

- Ideal for long-term homeownership.

- Protection against rising interest rates.

Adjustable-Rate Mortgage (ARM)

An Adjustable-Rate Mortgage offers initial lower interest rates, making it an attractive option for those planning to stay in their homes for a shorter time. Interest rates may adjust periodically based on market conditions.

Benefits:

- Lower initial interest rates.

- Short-term savings.

- Potential for lower rates in a falling rate environment.

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FHA Loan

The Federal Housing Administration (FHA) Loan is designed to help first-time homebuyers and those with lower credit scores. It offers low down payment requirements and more flexible qualification criteria.

Benefits:

- Low down payment options.

- More lenient credit requirements.

- Competitive interest rates.

VA Loan

VA Loans are exclusively available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. They require no down payment and often have favorable terms.

Benefits:

- Zero down payment.

- No private mortgage insurance (PMI) required.

- Competitive interest rates.

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Jumbo Loan

For those seeking high-value homes, Jumbo Loans provide financing options beyond conforming loan limits. They are ideal for luxury homebuyers.

Benefits:

- Financing for high-value properties.

- Customized terms to meet your needs.

- Competitive interest rates.

Conventional Loan

Conventional Loans are traditional mortgage options that are not backed by the government. They offer flexibility in terms of down payment and credit requirements.

Benefits:

- Various down payment options.

- Competitive interest rates.

- Ideal for well-qualified borrowers.

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Why Choose Stigler Mortgage for Your Home Purchase Loan?

Local Expertise

Our team has extensive knowledge of the Southern California real estate market, including Los Angeles, Riverside, and Orange County.

Personalized Service

We take the time to understand your unique needs and financial situation, offering tailored loan solutions.

Competitive Rates

Stigler Mortgage strives to provide competitive interest rates and loan terms to save you money over time.

Responsive Support

We are here to guide you through the entire loan process, answering your questions and addressing your concerns promptly.

Get Started Today

Ready to take the first step toward homeownership? Contact Stigler Mortgage today for a personalized consultation. Our experienced team will help you explore your Home Purchase Loan options, making your dream home a reality.