Buy Smart, Save More with Every Home Loan

Loan PRoducts 

VA

  • No Down Payment: VA loans often require no down payment, making homeownership more affordable for veterans, active-duty service members, and eligible surviving spouses.
  • No Private Mortgage Insurance (PMI): Borrowers do not need to pay for PMI, which can significantly reduce monthly mortgage payments.
  • Competitive Interest Rates: VA loans typically offer lower interest rates compared to conventional loans, saving borrowers money over the life of the loan.

FHA

  • Low Down Payment: FHA loans typically require a down payment as low as 3.5%, making them accessible for first-time homebuyers or those with limited savings.
  • Flexible Credit Requirements: Borrowers with lower credit scores can qualify for FHA loans, often with scores as low as 580.
  • Government-Backed: These loans are insured by the Federal Housing Administration, providing lenders with added security and allowing for more flexible lending criteria.

Conventional 

  • Diverse Options: Conventional loans offer a wide range of terms and options, including fixed-rate and adjustable-rate mortgages.
  • No Government Insurance: Unlike FHA or VA loans, conventional loans are not insured by the government, which can lead to lower costs if the borrower has strong credit.
  • Higher Credit Standards: Typically require higher credit scores and lower debt-to-income ratios, rewarding borrowers with strong financial profiles with better rates and terms.

JUMBO

  • Higher Loan Amounts: Jumbo loans are designed for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, allowing for the purchase of high-value homes.
  • Stricter Qualification Requirements: Borrowers typically need a higher credit score, a larger down payment, and more robust financial documentation to qualify.
  • Competitive Rates: While rates can be higher due to the increased risk to lenders, competitive rates are available for well-qualified borrowers.

ITIN

  • For Non-U.S. Citizens: ITIN loans are designed for non-U.S. citizens who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN).
  • Flexible Documentation Requirements: These loans often have more flexible documentation requirements, accommodating the unique circumstances of ITIN holders.
  • Build Credit History: Successfully managing an ITIN loan can help borrowers build or improve their credit history in the U.S.

REFINANCE

  • Lower Interest Rates: Refinancing can help borrowers secure a lower interest rate, reducing monthly payments and overall loan costs.
  • Change Loan Terms: Borrowers can adjust the term of their loan, such as switching from a 30-year to a 15-year mortgage, to better fit their financial goals.
  • Access Home Equity: Cash-out refinancing allows homeowners to access the equity in their homes for renovations, debt consolidation, or other financial needs.

At Loans R Us, we help you overcome the fear of buying a home, making smart financial decisions to save you money every step of the way.

"As a first-time homebuyer, I was overwhelmed by the entire process. Loans R Us made everything so much easier. Their team was incredibly patient and explained every step in detail. I got an amazing rate on my FHA loan, and now I'm a proud homeowner! I couldn't have done it without them."


Jessica M.

"I was hesitant about refinancing my home, but Loans R Us made it a breeze. They found me a great rate and helped me reduce my monthly payments significantly. The entire process was quick and hassle-free. I'm so grateful for their expertise and excellent customer service."


Michael T.

"As a veteran, I was eligible for a VA loan but didn't know where to start. Loans R Us guided me through the process with professionalism and care. They made sure I understood all my options and helped me get a fantastic deal with no down payment. Their dedication to helping veterans is truly commendable.

Maria L.

Mortgage LEnding

About Loans R us

Loans R Us is a leading mortgage lending company dedicated to making the dream of homeownership accessible and affordable for everyone. With years of industry experience, we specialize in providing personalized loan solutions that fit your unique financial needs. Our mission is to simplify the home buying process, guiding you with expert advice and support from start to finish. At Loans R Us, we believe in building lasting relationships with our clients, offering transparency, integrity, and a commitment to your financial well-being. Join us on the journey to homeownership and experience the difference with Loans R Us.

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FAQ

Loans R Us offers a variety of home loan options, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans. Our loan specialists will work with you to find the best loan product that fits your financial situation and homeownership goals.

Getting pre-approved with Loans R Us is simple. You can start the process online by filling out our pre-approval application, or you can speak directly with one of our loan officers. You’ll need to provide information about your income, assets, and credit history. Once reviewed, we’ll give you a pre-approval letter that shows sellers you are a serious buyer.

While a higher credit score can improve your chances of securing a loan and getting a better interest rate, Loans R Us offers loan options for various credit profiles. Our loan officers will work with you to understand your credit situation and find the best possible loan terms.

The home loan approval process can vary, but it typically takes about two weeks from application to closing. Factors that can affect this timeline include the completeness of your documentation, the complexity of the loan, and the property’s appraisal. Our team at Loans R Us is committed to keeping the process as smooth and efficient as possible.