[vc_row full_width=”stretch_row_content”][vc_column][lp_section_banner select_bk_image_type=”1″ external_bk_link=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/buy-background.jpg” external_bk_link_webp=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/buy-background.webp” lp_banner_background_position=”” lp_banner_title=”Find Out How Much Home You can Afford Right NOW!” lp_banner_sub_title=”Know exactly what you can afford before you start searching for a home.” alt_title=”Find Out How Much Home You can Afford Right NOW!” select_image_type=”” external_link=”” external_link_webp=”” lp_banner_funnel_text=”home purchase qualifier” lp_banner_funnel_url=”https://mainemortgage.com/funnels/jrose-purchase-site-7669.itclix.com” extra_class_name=”loan-visual” media_library=”” media_library_webp=””][lp_primary_content lp_content_title=”Congratulations! You’re ready to buy a home” select_image_type=”1″ external_link=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/image06.png” external_link_webp=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/image06.webp” alt_title=”Congratulations! You’re Ready to Buy a Home”]
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre−qualification letter request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
Here's how our home loan process works:
[/lp_primary_content][lp_secondary_content lp_title=”Do I Qualify?” select_image_type=”1″ external_link=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/image07.png” external_link_webp=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/crush/image07.webp” alt_title=”Do I Qualify?” select_bk_image_type=”1″ external_bk_link=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/nitro/loan-img03.ong” external_bk_link_webp=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/nitro/loan-img03.webp” bk_alt_title=”Do I Qualify?” lp_funnel_text=”Qualify Me Now” lp_funnel_url=”https://mainemortgage.com/funnels/jrose-purchase-site-7669.itclix.com”]
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
[/lp_secondary_content][page_link title=”Your Home Loan Could Be Fully Funded 30 Days From Now” select_image_type=”1″ external_link=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/nitro/loan-img04.jpg” external_link_webp=”https://ba83337cca8dd24cefc0-5e43ce298ccfc8fc9ba1efe2c2840af0.ssl.cf2.rackcdn.com/nitro/loan-img04.webp” lp_background_color_opacity=”46″ lp_background_position=”center” lp_background_size=”cover” lp_background_color=”#000000″ box_repeater_items=”%5B%7B%22box_repeater_items_page%22%3A%220%22%2C%22caption%22%3A%22Fixed%20Rates%22%7D%2C%7B%22box_repeater_items_page%22%3A%221%22%2C%22caption%22%3A%22Adjustable%20Rates%7B%7Bbr%7D%7D%20Mortgage%20(ARM)%22%7D%2C%7B%22box_repeater_items_page%22%3A%222%22%2C%22caption%22%3A%22Conforming%7B%7Bbr%7D%7D%20Loans%22%7D%2C%7B%22box_repeater_items_page%22%3A%223%22%2C%22caption%22%3A%22Jumbo%20%26amp%3B%20Super%7B%7Bbr%7D%7D%20Jumbo%20Loans%22%7D%2C%7B%22box_repeater_items_page%22%3A%224%22%2C%22caption%22%3A%22FHA%2C%20VA%2C%20%26%20USDA%7B%7Bbr%7D%7D%20Loans%22%7D%2C%7B%22box_repeater_items_page%22%3A%225%22%2C%22caption%22%3A%22Terms%20from%205%20to%7B%7Bbr%7D%7D%2030%20Years%22%7D%5D”][vc_section_cta lp_desc=”Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:” title=”Get Your Pre-Qualification Letter Now!” lp_button_text=”Home Purchase Qualifier” lp_button_url=”https://mainemortgage.com/funnels/jrose-purchase-site-7669.itclix.com”][/vc_column][/vc_row]
