How To Get A Mortgage If You're Self Employed
How To Get A Mortgage If You're Self Employed
How To Get A Mortgage If You're Self Employed
How To Get Qualified For A VA Loan
Self-Employed? Here's What You Need To Get A Mortgage
Self-Employed? Here's What You Need To Get A Mortgage
Self-Employed? Here's What You Need To Get A Mortgage
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How To Fix Your Credit (So You Can Buy A Home)
How To Fix Your Credit (So You Can Buy A Home)
How To Fix Your Credit (So You Can Buy A Home)
Recipe For The Highest Credit Score
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If You Keep Getting Turned Down For A Home Loan...Try This
If You Keep Getting Turned Down For A Home Loan...Try This
If You Keep Getting Turned Down For A Home Loan...Try This
How To Invest In Real Estate With Home Equity
How To Invest In Real Estate With Home Equity
How To Invest In Real Estate With Home Equity
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Appreciation Vs. Depreciation: What You Need To Know
Appreciation Vs. Depreciation: What You Need To Know
Appreciation Vs. Depreciation: What You Need To Know
3 Things To Avoid After You Apply For A Loan
3 Things To Avoid After You Apply For A Loan
3 Things To Avoid After You Apply For A Loan
What You Need To Get Pre-Qualified
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Top Tax Benefits Of Owning A Home
3 Ways To Afford The Closing Costs On Your First Home
3 Ways To Afford The Closing Costs On Your First Home
3 Ways To Afford The Closing Costs On Your First Home
Don't Belive These Cash Offer Myths
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How To Avoid Paying Private Mortgage Insurance
How To Avoid Paying Private Mortgage Insurance
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Buy A Home With Less Up Front
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What Are The Stages Of The Mortgage Process?
What Are The Stages Of The Mortgage Process?
HI, IM
Desiree Gardner
Your Conventional Loan Expert
- Individuals With A High Credit Score*
- Homeowners Looking To Refinance*
- Individuals With A Steady Income*
Desiree Gardner
(239) 292-0154
FEATURES & BENEFITS
The home loan solution you’ve been searching for
Conventional loans are offered by private lenders and backed by private mortgage insurance companies. They've got some strict credit and income requirements, but if you can make the cut, there are some sweet perks waiting for you.
Lower interest rates
Conventional loans often flaunt lower interest rates than government-backed loans, potentially saving you a boatload of cash over your loan's lifetime.
More flexibility
Since they're not bogged down by government regulations, conventional loans have more flexibility in terms of loan amounts, property types, and other factors.
Lower upfront costs
Conventional loans can offer down payments as low as 3%, with private mortgage insurance added to your monthly payments.
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate for current rates. Restrictions apply.
HOW IT WORKS
Learn more about
Conventional Loans!
Unveiling the Advantages of Conventional Loans: Explore Your Financing Options Today!
Thinking Of Buying Or Refinancing? Consider A Conventional Loan
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Conventional Loans: Countless Benefits For Homebuyers
How to Qualify for a Conventional Mortgage
Applying for a Conventional Mortgage: What to Expect
How to Get Started with a Conventional Loan Today
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Estimate your monthly mortgage payment
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This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate. Guaranteed Rate, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.
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APPLICATION PROCESS
We Simplify The Process,
So You Can Maximize Your Results
A home loan that can offer you competitive interest rates, low down payments, flexible loan terms, and potentially lower upfront costs and more predictable monthly payments than other mortgage programs. To apply, you just need to follow four simple steps.
Find a Mortgage Pro
Get pre-qualified with a mortgage pro like me so you can determine your budget.
Find a Dream Home
Find a home in your price range and fill out your mortgage application with your mortgage advisor.
Gather your Financial Documents
The lender will review your credit history, employment history, and financial information.
If you're approved, you'll receive a loan estimate that breaks down your interest rates, fees, and closing costs.
Sign your closing paperwork, pay your closing costs, and receive your funding!
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.
SCHEDULE CONSULTATION
Ready to apply for your VA Home Loan?
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SCHEDULE CONSULTATION
Ready to apply for your Reverse Mortgage Loan?
Getting approved for a Reverse Mortgage begins with taking a look at your unique situation and then building a roadmap to help get you the retirement of your dreams. Schedule a consultation today to start!
Desiree Gardner
Partnership begins with a conversation to see how we could help you grow your business. Click on the 'schedule consultation' link to begin the journey.
Frequently Asked Questions
LET’S GET STARTED!
Ready to secure a VA Home Loan of your very own?
LET’S GET STARTED!
Ready to secure a Reverse Mortgage Loan of your very own?
I am a Reverse Mortgage specialist and I’ve worked with hundreds of retired homeowners to help them unlock the retirement of their dreams.
Desiree Gardner
(239) 292-0154
Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.
*Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs. Conditions apply.
Ready to apply for your home financing loan?
Ready to apply for your home loan?
Your path to ownership is just one click away! Schedule a complimentary consultation now so we can take a look at your specific needs and find the perfect home loan for you!
*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287
Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.
