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A mortgage curated just for you.
For a 15-year fixed mortgage, borrowers benefit from stable monthly payments and a consistent interest rate over the shorter term.
This option allows for quicker equity buildup and potential savings on total interest costs, despite higher monthly payments.
A 30-year fixed mortgage provides stability with a steady interest rate throughout its extended term with lower monthly payments compared to shorter-term loans.
It is a preferred choice for borrowers seeking predictability in their long-term budgeting.
A 5/1 adjustable-rate mortgage starts with a fixed interest rate for the first five years, then adjusts annually based on market conditions. This initial period typically offers lower interest rates compared to fixed-rate mortgages.
This feature makes it advantageous for buyers planning to sell or refinance within the initial fixed-rate term.
A 7/1 adjustable-rate mortgage begins with a fixed interest rate for the first seven years before adjusting annually thereafter. This option provides stability and lower initial rates, ideal for borrowers who expect to relocate or refinance before the rate adjusts, potentially saving on interest costs during the fixed-rate period.
Debt Service Coverage Ratio loans are popular for rental property purchases, requiring no income verification, only rental income qualification. There's no limit on the number of properties you can finance, making them ideal for expanding your investment portfolio.
Ideal for self-employed borrowers, these loans skip the need for tax returns. Qualification relies on business or personal bank statements, 1099s, profit and loss statements, or current assets.
Christina Cox
Senior Loan Advisor, NMLS 2040696
Licensed in Florida, Alabama, and Texas with access to over 200 wholesale lenders, the Money Lady sources and curates customized lending solutions to meet your unique financial needs.
A simple conversation can lead to great things.
FAQs
These are some frequently asked questions about the mortgage options and processes. Whether you're curious about credit score requirements, loan approval timelines, or the benefits of pre-approval, you'll find answers to help guide you.
The Money Lady is committed to providing clarity and support throughout your mortgage journey, so that you have all of the information you need to make informed choices about your home financing.
Do I have to put 20% down?
There are various loan options, including some with $0 Down Payment. The down payment needed depends on your individual circumstances. I recommend starting with a Loan Application. I curate the loan options to fit your needs and find the best program for you.
How long does it take to close?
Typically, it takes about 30 days from application to loan funding. Some loans have closed in as few as 10 days.
When should I lock in the interest rate?
Mortgage rates fluctuate daily, so locking in a rate when you're comfortable with the monthly payment is recommended. I will be able to explain more about rate locks when you're ready.
Pre-approval vs
Pre-qualification
Pre-qualification estimates your home-buying ability based on credit score and self-reported details. It guides loan program choices. Pre-approval confirms borrowing capacity after reviewing income and assets, enabling serious home-buying consideration. If not approved, your adviser can offer tips to improve your finances.
What should my credit score be?
Program requirements vary. Some don't need a credit score. FHA or VA loans typically start at 580, but we can go lower with a larger down payment. Conventional loans usually require 620 or higher. The specific program sets the minimum score.
Where should I start, Lender or Realtor?
I recommend getting pre-approved with a lender first. It gives you confidence when shopping, knowing exactly what you can afford.
What my clients are saying.
Christina Cox deserves a 10-star rating! She is on top of her game. She is always available, always helpful, always proactive. I would use her again in a heartbeat.
Heather Skender-Newton
Christina and her team are ROCK STARS to work with! They don't give up and think outside the box. Making magic happen for their borrowers is what they do best! Kind and respectful and look forward to doing more business with Christina and her team!
Normandee Ballingham
Christina was EXTREMELY helpful in our home buying process. She is very knowledgeable and was able to assist us through all of our questions. Most importantly, she was prompt with all requests and concerns we had. I recommend her services to anyone looking to purchase a home.
Jessica Winkler
Christina was an absolute professional and great to work with. It was first time looking for a mortgage and she helped us navigate through all the options until we landed on a great match. She does all the hard work for you and was probably the best decision we made during our first time home buyer journey. Her communication is fantastic, always returned every email and answered every phone call. Will be absolutely using her services again!
Carlos Rodriguez
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