Sunshine State Mortgage: Home Loans Coconut Creek

Home Loans in Coconut Creek from Sunshine State Mortgage At Sunshine State Mortgage, we provide leading home loan options and services in Coconut Creek. Our experienced team is trusted by homeowners throughout the state of Florida to find the best, most cost-effective home loan programs available today. With our exceptional service and leading loan options, homeownership in Coconut Creek is within reach.

Reach Your Goals with an Affordable Home Loan

Here at Sunshine State Mortgage in Coconut Creek, we’re committed to helping you reach your goals. Perhaps you’ve aspired to become a homeowner, or of upsizing to the home of your dreams. No matter your ambitions, we’re here to assist you in finding the best home loan program for your needs.

The home loan program that you choose will make an impact on your finances, both now and in the future. Our expert team is dedicated to your long-term financial health and will work to find the most affordable loan program to help you reach your goals. With the right home loan, you can attain lasting financial security while living in the Coconut Creek home that you love.

Types of Loan Programs for Coconut Creek Homeowners

For homeowners here in Coconut Creek, there is a range of home loan programs to choose from. Considering your current needs, future goals, and financial standing, we’ll help you narrow down the options to find a loan program that’s the perfect fit.

At Sunshine State Mortgage in Coconut Creek, we specialize in the following types of loan programs:

Conventional Home Loans / Government Insured Loans

Conventional home loans are any loan not backed by a government insured-agency and are a great choice if you have excellent credit. There are 2 categories for conventional loans, conforming and non-conforming. Conforming adheres to the guidelines set forth by Fannie Mae and Freddie Mac. They have loan limits, credit score requirements and many other guidelines. Non-conforming loans are jumbo loans, portfolio loans and sub-prime loans which all have great flexibility.

Government-insured mortgage loans place less risk on the mortgage lender, so it may be easier to qualify for one of those, as long as you meet the agency's eligibility requirements. These include FHA, VA and USDA.

FHA Home Loans

Insured by the Federal Housing Administration (FHA), FHA loans provide low mortgage rates and minimal down payments. First-time homebuyers and those with lower credit scores are often great candidates for FHA home loans in Coconut Creek.

VA Home Loans

These loans provide affordable rates with no down payment for qualifying military personnel, service members, veterans, and their families. There is also n mortgage insurance requirement.

USDA Loans

Insured by the U.S. Department of Agriculture, these loans can help low- to moderate-income homebuyers who want to purchase a home in an eligible rural area. They don't require a down payment and provide a little more flexibility with credit score requirements.

Refinance Loans

Refinance loans can serve the purpose of reducing monthly mortgage payments by lowering your interest rate. Homeowners may also use refinance loans to withdraw cash for home improvement or any other reason and/or eliminate mortgage insurance premiums.

Reverse Mortgage Loans

With reverse loans, homeowners can turn some of their home’s equity into cash for living expenses. Reverse loans are available to homeowners aged 62 and over. This loan allows the homeowner to stay in their residence for life without the necessity of making a payment. You must maintain the property, taxes and insurance.

Private Financing

Sunshine State Mortgage offers private financing for investors and homeowners in Coconut Creek. Reach out to us today to learn more.

Find the Right Home Loan with Our Skilled Team

One of our trained specialists will help you navigate the available home loan options to find the perfect fit for you and your family in Coconut Creek. We will pinpoint a home loan program that meets your needs. Contact our Coconut Creek home loan team today to learn more.