Hi Everyone, Ted Talbott Here...

Whether your money needs are for a primary residence, second home or investment, I have the investors to fund your loan. First time home buyers or seasoned buyers looking for their next step up, I can help. Free Pre-Qaulification, so when your dream home comes available, your ready for your favorite Realtor to show you and present the contract to the seller. Conventional, FHA, VA and USDA programs. Get Pre-Approved…………………Move in soon!! Call today!!

Conventional Loans

A Conventional mortgage is any loan that is not guaranteed or insured by the federal government. Conventional loans adhere to the guidelines set by Fannie Mae and Freddie Mac.

There are two types, conforming and non-comforming. Conforming loans follow the loan limits that are set for conventional mortgages and a non-conforming loan does not. The maximum limit for a conforming loan depends on the state and geographic area you live in and can be found here: Fannie Mae Loan Limits.

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM), typically begins with a low rate that is fixed for a specific amount of time and after that time period is up, adjusts to a rate which is most commonly determined by using either the Constant Maturity Treasury Index (CMT) or the London Interbank Offered Index (LIBOR). The drawback of this type of loan is that over the term of your loan the interest rate can either go up or down. This makes it difficult for the homeowner to create a monthly budget due to the fluctuation in their mortgage payment. More information on adjustable-rate mortgages can be found here in the Consumer Handbook on adjustable-rate mortgages.

FHA Loans

The Federal Housing Administration, better known as “FHA”, was established in 1934 to increase home ownership that was suffering due to economic conditions, as well as, difficult mortgage loan terms. FHA provides mortgage insurance on loans made by FHA approved-lenders and has now become the world’s largest insurer of mortgages, insuring over 34 million properties since it was created.

Fixed Rate Mortgage

Fixed rate mortgages are loans that are amortized with the same interest rate over the entire term of the mortgage. This is the most popular type of loan because, with a fixed rate mortgage, you always know what your monthly payment willl be and can plan your budget accordingly. Loan terms consist of 10, 15, 20, 25 and 30 years.

VA Loans

Department of Veteran Affairs – VA
Section 501 of The Servicemen’s Readjustment Act, more commonly known as the GI Bill of Rights which was signed into law in 1944 provides for a real estate loan, partially guaranteed by the Department of Veteran’s Affairs (VA). The VA loan is a mortgage loan made by a lender which is guaranteed by the federal government in the event of a default by the homeowner. As a result, lenders are able to provide loans to veterans with less stringent guidelines as a conventional loan. This has made the dream of homeownership possible for over 20 million veterans and their families.

HAVE SOME QUESTIONS?

Let me call you and answer any questions that you may have. Just submit your details and I'll be in touch shortly.





Fast and Consistent.
On Time Closings and Knowledge of the Business.
I am a People Person.

My Happy Clients

Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni
George Johanson
Founder & CEO, Themelucky95

Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni
Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni
George Johanson
Founder & CEO, Themelucky95

Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni
Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni
George Johanson
Founder & CEO, Themelucky95

Sed ut perspiciatis unde omnis iste natus error voluptatem accusantium doloremque laudantium, totam rem aperiam eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni