{"id":25066,"date":"2018-11-19T19:50:38","date_gmt":"2018-11-19T19:50:38","guid":{"rendered":"https:\/\/joey.integratedfunding.us\/staging\/1544\/home\/"},"modified":"2023-07-25T18:13:26","modified_gmt":"2023-07-25T18:13:26","slug":"home","status":"publish","type":"page","link":"https:\/\/joey.integratedfunding.us\/staging\/1544\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25066\" class=\"elementor elementor-25066\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-53d02b5a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"53d02b5a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-96c014d\" data-id=\"96c014d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ca2f2cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca2f2cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bbbcab1\" data-id=\"bbbcab1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cfce20 elementor-widget elementor-widget-heading\" data-id=\"2cfce20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Finding Ways in Funding Your Dream Home<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2926ce3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2926ce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3091027 elementor-widget elementor-widget-heading\" data-id=\"3091027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\"I strive to help my clients make an educated decision about taking the right loan product available for them.<br \/><br \/>We will achieve this goal with professional coaching, transparency and integrity.\"<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c37143d elementor-widget elementor-widget-heading\" data-id=\"c37143d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Joey I. Narciso<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-349c603 elementor-widget elementor-widget-heading\" data-id=\"349c603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mortgage Loan Originator<br>NMLS # 2311575<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7168f8d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7168f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea3cfba elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ea3cfba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/meetings.hubspot.com\/joeynarciso\/consultation-mlo\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule a Free Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ed7d78\" data-id=\"1ed7d78\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d92105 elementor-widget elementor-widget-image\" data-id=\"3d92105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"700\" height=\"979\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/01\/Suit-Transparent.png\" class=\"attachment-large size-large wp-image-25188\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/01\/Suit-Transparent.png 700w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/01\/Suit-Transparent-215x300.png 215w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/01\/Suit-Transparent-600x839.png 600w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7bda790 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bda790\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b7a26ff\" data-id=\"1b7a26ff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-175a9f4 elementor-widget elementor-widget-heading\" data-id=\"175a9f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which Type of Mortgage Loan Fits Your Need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a511a18 elementor-widget elementor-widget-text-editor\" data-id=\"a511a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">The first step in purchasing your dream home is making sure that you have funds to pay for it. While most people are not cash buyers, they need to secure a mortgage loan to purchase a house. However, not every loan is the same. There is this one type of loan that fits exactly with your unique situation and your current financial status.<br \/>Check below which one is best for you! If you do not know the best option to pick, I am here to assist you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3e4728 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3e4728\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-9afc6ab\" data-id=\"9afc6ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6e00aa elementor-widget elementor-widget-uael-modal-popup\" data-id=\"b6e00aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"b6e00aa-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-b6e00aa uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-b6e00aa\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Conventional Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A conventional mortgage loan is a \u201cconforming\u201d loan. It means that it meets the requirements for Fannie Mae or Freddie Mac.<\/p>\n<p>Fannie Mae and Freddie Mac are government-sponsored enterprises that purchase mortgages from lenders and sell them to investors. This frees up lenders\u2019 funds so they can get more qualified buyers into homes.<\/p>\n<p>Generally, conventional loans have stricter credit requirements that FHA or VA Loans.<\/p>\n<p>Matrix:<\/p>\n<ul>\n<li>Min FICO: 620<\/li>\n<li>Max LTV: 95% (Some lenders offer 97% for first time homebuyers)<\/li>\n<li>Cash-out Max LTV: 85%<\/li>\n<li>Down Payment: 5% (Some lenders offers as low as 3% for first time homebuyers)<\/li>\n<li>Max DTI: 50%<\/li>\n<li>Gift Fund allowed.<\/li>\n<\/ul>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"b6e00aa\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tConventional Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-11da8df\" data-id=\"11da8df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9817b31 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"9817b31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"9817b31-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-9817b31 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-9817b31\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">FHA Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by FHA.<\/p>\n<p>This loans comes with a 3.5% down payment and more flexible interest rates (as compared with conventional loans).<\/p>\n<p>Matrix:<\/p>\n<ul>\n<li>Min FICO: 580<\/li>\n<li>Max LTV: 96.5%\u00a0<\/li>\n<li>Down Payment: 3.5%\u00a0<\/li>\n<li>Max DTI: 50%<\/li>\n<li>Gift Fund allowed.<\/li>\n<\/ul>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"9817b31\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tFHA Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-fb5a8ab\" data-id=\"fb5a8ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fe9a30 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"5fe9a30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"5fe9a30-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-5fe9a30 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-5fe9a30\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">VA Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A VA Loan is a Veterans Affairs (VA) guaranteed loan designed for service members, veterans and eligible surviving spouses to become homeowners.<\/p>\n<p>This kind of loan offers no down payment options, no mortgage insurance and lenient credit requirements.<\/p>\n<p>Matrix:<\/p>\n<ul>\n<li>Min FICO: 580<\/li>\n<li>Max LTV: 100%\u00a0<\/li>\n<li>Down Payment: 0% 9Please consult your LO for applicants with non-spouse co-borrowers)\u00a0<\/li>\n<li>Max DTI: N\/A (41% of Residual Income)<\/li>\n<li>Gift Fund allowed for Down Payment.<\/li>\n<\/ul>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"5fe9a30\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tVA Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-18c3680\" data-id=\"18c3680\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-994cd63 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"994cd63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"994cd63-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-994cd63 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-994cd63\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">FHA Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>The U.S. Department of Agriculture (USDA) home loans program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage.<\/p>\n<p>USDA mortgage rates are government-assisted, which means buyers get access to lower interest rates and payments than with other government-backed programs like FHA and VA.<\/p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"994cd63\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tUSDA Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2426828 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2426828\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-39c81c0\" data-id=\"39c81c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44b694b elementor-widget elementor-widget-uael-modal-popup\" data-id=\"44b694b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"44b694b-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-44b694b uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-44b694b\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">FHA Streamline Refinance<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>FHA Streamline Refinance refers to the refinance of an existing FHA loan which process requires limited borrower credit documentation and underwriting.<\/p>\n<p>To qualify for an FHA Streamline, here are the requirements:<\/p>\n<ul>\n<li>Your existing loan is an FHA loan.<\/li>\n<li>You have at least 210 days passed between the date of your previous mortgage closing and your new application.<\/li>\n<li>Six (6) months have passed between the time of your first mortgage payment is due and the close of your refinance.<\/li>\n<li>You have made at least six payments on your current loan.<\/li>\n<li>You have no more than one late mortgage payment in the last year, and none in the previous 6 months.<\/li>\n<\/ul>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"44b694b\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tFHA Streamline Refinance\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ad2f95a\" data-id=\"ad2f95a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bf81d4 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"4bf81d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"4bf81d4-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-4bf81d4 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-4bf81d4\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">VA IRRRL<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamline refinance for a VA Loan. VA IRRRL is primarily designed to reduce your monthly mortgage payments or make your payments more stable.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"4bf81d4\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tVA IRRRL\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-d7f4146\" data-id=\"d7f4146\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae4eb31 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"ae4eb31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ae4eb31-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-ae4eb31 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-ae4eb31\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Refinancing a Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>To refinance a loan is to secure a new and better loan and pay off your current loan. The reason for refinancing is any of the following:<\/p>\n<ul>\n<li>Lower the interest rates.<\/li>\n<li>Replace an adjustable-rate mortgage (ARM) to a fixed loan.<\/li>\n<li>Payoff a mortgage faster.<\/li>\n<li>Take cash-out.<\/li>\n<\/ul>\n<p>Consult with your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"ae4eb31\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tLoan Refinance\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-f66a8c0\" data-id=\"f66a8c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2f1333 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"c2f1333\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"c2f1333-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-c2f1333 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-c2f1333\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Reverse Mortgage (HECM)<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Reverse Mortgage is a government-insured loan program that allows 62 years or older Americans to convert their home equity into cash and at the same time keeping the home that they love for the rest of their lives.<\/p>\n<p>We have dedicated another website exclusively for learning reverse mortgage. Please click the link below.<\/p>\n<p><a href=\"https:\/\/learnreversemortgage.us\" target=\"_blank\" rel=\"noopener\">Learn Reverse Mortgage.<\/a><\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"c2f1333\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tReverse Mortgage (HECM)\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22358dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22358dc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-b82f3d3\" data-id=\"b82f3d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e7e91a elementor-widget elementor-widget-uael-modal-popup\" data-id=\"4e7e91a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"4e7e91a-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-4e7e91a uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-4e7e91a\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Jumbo Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A jumbo loan is a type of financing that exceeds the limits\u00a0set by the\u00a0Federal Housing Finance Agency (FHFA). As such, loan applicants must undergo more strict credit requirements, must have outstanding credit scores, low debt-to-income (DTI) ratio and must put up roughly 10%-15% down payment.<\/p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"4e7e91a\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tJumbo Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-3640fd8\" data-id=\"3640fd8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db57c74 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"db57c74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"db57c74-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-db57c74 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-db57c74\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">DSCR Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A debt service coverage (DSCR) loan is one that qualifies borrowers through an investment property\u2019s cash flow rather than the borrower\u2019s income. DSCR loans are often utilized by real estate investors to qualify for mortgages and to buy investment properties.<\/p>\n<p>The debt service coverage ratio (DSCR) is the ratio of an investment\u2019s net operating income to its total debt service. It is a way of determining whether a borrower has enough cash flow to pay its current debt obligations.<\/p>\n<p>DSCR Loan, however, cannot be used for primary residence.<\/p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"db57c74\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tDSCR Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-79ba972\" data-id=\"79ba972\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8305e1 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"a8305e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"a8305e1-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-a8305e1 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-a8305e1\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Bank Statement Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A Bank Statement loan is a home loan program designed for self-employed\/ business owners. For qualification purposes, the lender uses the deposits made into the business owner\u2019s account as the source of income for qualification purposes, instead of using the applicant\u2019s tax returns.<\/p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"a8305e1\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tBank Statement Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-8eb39ab\" data-id=\"8eb39ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67d3b28 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"67d3b28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"67d3b28-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-67d3b28 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-67d3b28\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">P &amp; L Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A profit and loss (P&amp;L) loan is for business owners whose qualification is based on the company\u2019s P&amp;L statement.<\/p>\n<p>A P&amp;L loan gives business owners a chance to show their company\u2019s profitability even if their tax returns and bank statements do not reflect this information.<\/p>\n<p>P&amp;L loans are most common for self-employed borrowers that take a lot of deductions at tax time. It is also great for business owners that do not have the bank statements to prove their regular income.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"67d3b28\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tP & L Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e09d60 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e09d60\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-31aaf34\" data-id=\"31aaf34\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89d0a96 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"89d0a96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"89d0a96-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-89d0a96 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-89d0a96\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">WVOE Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>Written Verification of Employment (WVOE) loans are mortgage programs that are considered alternative financing because they are neither Conventional nor government-issued loans. They are available through private lenders, but they are non-conforming to the Federal Housing Administration criteria. They only rely on the written verification of employment \u2013 thus the abbreviation WVOE loans.<\/p>\n<p>If your client is a wage earner or has trouble meeting the requirements for Conventional mortgages, WVOE loans might work for them. There are regulations and criteria, but the process is much shorter and less stringent.<\/p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"89d0a96\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tWVOE Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-85f4387\" data-id=\"85f4387\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59ac34a elementor-widget elementor-widget-uael-modal-popup\" data-id=\"59ac34a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"59ac34a-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-59ac34a uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-59ac34a\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Asset Utilization Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>With Asset Utilization, borrowers use\u00a0 their assets\u00a0to qualify for a mortgage provided they have substantial assets and they do not have to show income from any other source, including employment.<\/p>\n<p>The assets are solely used to demonstrate that they have the ability to repay the loan. The lender will look at liquid assets as their loan collateral, similar to how W-2s and pay stubs are evaluated for a traditional Government or Conventional loan.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"59ac34a\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tAsset Utilization Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-4824c32\" data-id=\"4824c32\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ca2b01 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"1ca2b01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"1ca2b01-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-1ca2b01 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-1ca2b01\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Foreign National Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>Can a foreign national purchase a property in the US? The answer is yes!<\/p>\n<p>Foreign Nationals can qualify with documentation for the income generated in their residence country OR just with the cash flow from the subject property. However, Foreign National loans are intended to be used to purchase homes as investments, not primary residences.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"1ca2b01\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tForeign National Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7dfcbc5\" data-id=\"7dfcbc5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5dabf2 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"f5dabf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"f5dabf2-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-f5dabf2 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-f5dabf2\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Non Permanent Resident Loan<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A non-permanent resident is a person living in the United States with a social security number but not a green card. Typically living in the United States for employment reasons, non-permanent residents can live here for years and want to buy their own homes and build equity.<\/p>\n<p>The following visa types are eligible: E1-3, G1-5, H-1, H-1B, L-1, TC and TN-1.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"f5dabf2\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tNon Permanent Resident\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19e7b3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19e7b3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-36b9266\" data-id=\"36b9266\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-759840b elementor-widget elementor-widget-uael-modal-popup\" data-id=\"759840b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"759840b-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-759840b uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-759840b\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">1099 Loans<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>1099 Loans are designed for deserving contractors, salespeople, or consultants. If they can prove they can\u00a0afford the loan and their income is steady, they deserve\u00a0the same loan treatment as with W-2 employees.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"759840b\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\t1099 Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-5ce66e3\" data-id=\"5ce66e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6480549 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"6480549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"6480549-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-6480549 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-6480549\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">iTIN Loans<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>ITIN loans are home loans for people who do not have and are not eligible to get Social Security numbers. A borrower applies for an ITIN mortgage by providing an individual taxpayer identification number and other documentation instead<\/p>\n<p>With iTIN loans, lenders rely on tax returns, bank statements and utility bills, etc. to establish credit.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"6480549\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tiTIN Only Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1103485\" data-id=\"1103485\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58cf8c5 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"58cf8c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"58cf8c5-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-58cf8c5 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-58cf8c5\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">Bridge Loans<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>A bridge loan is a type of short-term loan that is typically used to finance the purchase of a new home or business.<\/p>\n<p>They are a great financing option for small business owners who need to quickly expand their businesses but do not have the time to wait for traditional lending institutions to process their loan applications. Bridge loans can also be used to finance the purchase of a new home or business.<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"58cf8c5\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tBridge Loan\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-b7146bf\" data-id=\"b7146bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ed1a58 elementor-widget elementor-widget-uael-modal-popup\" data-id=\"2ed1a58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-modal-popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"2ed1a58-overlay\" data-trigger-on=\"text\" data-close-on-esc=\"yes\" data-close-on-overlay=\"yes\" data-exit-intent=\"no\" data-after-sec=\"no\" data-after-sec-val=\"1\" data-cookies=\"no\" data-cookies-days=\"1\" data-cookies-type=\"default\" data-custom=\"\" data-custom-id=\"\" data-content=\"content\" data-autoplay=\"no\" data-device=\"false\" data-async=\"\" data-scroll-direction=\"down\" data-scroll-percentage=\"30\" data-scroll-element=\"\" data-page-views-enabled=\"no\" data-page-views-count=\"3\" data-page-views-scope=\"global\" data-sessions-enabled=\"no\" data-sessions-count=\"2\" class=\"uael-modal-parent-wrapper uael-module-content uamodal-2ed1a58 uael-aspect-ratio-16_9 -popup\">\n\t<div id=\"modal-2ed1a58\" class=\"uael-modal uael-center-modal uael-modal-custom uael-modal-content uael-effect-1   uael-aspect-ratio-16_9\">\n\t\t<div class=\"uael-content\">\n\t\t\t\n\t\t<span class=\"uael-modal-close uael-close-icon elementor-clickable uael-close-custom-popup-top-right\" >\n\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t<\/span>\n\t\t\t\t\t<div class=\"uael-modal-title-wrap\">\n\t\t\t\t<h2 class=\"uael-modal-title elementor-inline-editing\" data-elementor-setting-key=\"title\" data-elementor-inline-editing-toolbar=\"basic\">HELOC<\/h2>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-modal-text uael-modal-content-data clearfix\">\n\t\t\t<div class=\"uael-text-editor elementor-inline-editing\" data-elementor-setting-key=\"ct_content\" data-elementor-inline-editing-toolbar=\"advanced\"><p>The Home Equity Line of Credit (HELOC) is a type of secondary loan that is a good alternative when cash-out refinance does not make sense due to having a low-interest rate on their current mortgage.<\/p>\n<p>HELOC accesses your home equity and convert it into a line of credit that typically has an initial draw period lasting 10 years. During this time, you can borrow money from the credit line as needed and make interest-only payments on what you\u2019ve borrowed.\u00a0<\/p>\n<p>Please consult your Loan Officer for more details.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<div class=\"uael-overlay\"><\/div>\n<\/div>\n\n<div class=\"uael-modal-action-wrap elementor-widget-button\">\n\t\t\t\t<div class=\"uael-modal-action elementor-clickable uael-trigger elementor-inline-editing\" data-modal=\"2ed1a58\" data-elementor-setting-key=\"modal_text\" data-elementor-inline-editing-toolbar=\"basic\">\n\t\t\t\tHELOC\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d23e20 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d23e20\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26bd2fc\" data-id=\"26bd2fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42f8e22 elementor-widget elementor-widget-spacer\" data-id=\"42f8e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-522f18f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"522f18f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01f1785\" data-id=\"01f1785\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-815295d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"815295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/meetings.hubspot.com\/joeynarciso\/consultation-mlo\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule a Free Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-18c8e13\" data-id=\"18c8e13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9113db6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9113db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/joey.integratedfunding.us\/apply-now\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Pre-Approved Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56fc06bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56fc06bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7037673b\" data-id=\"7037673b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2700e9b elementor-widget elementor-widget-heading\" data-id=\"2700e9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage Calculator<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce83941 elementor-widget elementor-widget-text-editor\" data-id=\"ce83941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Use this calculator to determine how much your monthly mortgage payment will be given your unique situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cc0a61 elementor-widget elementor-widget-text-editor\" data-id=\"9cc0a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><form class=\"mcalc mcalc-conventional mcalc-color\" name=\"cv\" id=\"id_cv\">\n    \n<div>\n  <div class=\"mcalc-main\">\n    <div class=\"mcalc-half mcwp-purchase\">\n      <label for=\"inp_purchase_price\">Purchase Price<\/label>\n      <i>$<\/i>\n      <input type=\"text\" name=\"purchase_price\" id=\"inp_purchase_price\" value=\"250,000\" class=\"mcalc-dollar\">\n    <\/div>\n    <div class=\"mcalc-half mcwp-term\">\n      <label for=\"mortgage_term_yr\">Mortgage Term<\/label>\n      <select name=\"mortgage_term\" id=\"mortgage_term_yr\">\n        <option value=\"30\">30 Years<\/option>\n        <option value=\"25\">25 Years<\/option>\n        <option value=\"20\">20 Years<\/option>\n        <option value=\"15\">15 Years<\/option>\n        <option value=\"10\">10 Years<\/option>\n        <option value=\"5\">5 Years<\/option>\n      <\/select>\n    <\/div>\n    <div class=\"mcalc-half mcwp-down-payment\">\n      <label class=\"mcalc-half\" for=\"down_payment_inp\">Down Payment ($)<\/label>\n\n      <input type=\"text\" name=\"down_payment\" id=\"down_payment_inp\" value=\"\"  class=\"mcalc-half\">\n\n      <input id=\"ex1 e1\" class=\"ex1 down_payment_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"80\" data-slider-step=\"1\" data-slider-value=\"5\" data-slider-arialabel=\"DP Slider\" \/>\n      <p class=\"mcalc-percent\">5%<\/p>\n    <\/div>\n\n    <div class=\"mcalc-half mcwp-taxes\">\n      <label class=\"mcalc-half\" for=\"annual_tax_inp\">Annual Taxes ($)<\/label>\n      <input type=\"text\" name=\"annual_taxes\" id=\"annual_tax_inp\" value=\"\" class=\"mcalc-half\">\n      <input id=\"ex1 e2\" class=\"ex1 annual_tax_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"20\" data-slider-step=\"0.1\" data-slider-value=\"1\" title=\"Tax Slider\" \/>\n      <p class=\"mcalc-percent\">1%<\/p>\n    <\/div>\n\n    <div class=\"mcalc-full mcwp-interest-rate\">\n      <label for=\"ex1\">Interest Rate (%)<\/label>\n\n      <input id=\"ex1 e3\" name=\"interest_rate\" class=\"ex1 interest_rate_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"1\" data-slider-max=\"30\" data-slider-step=\".125\" data-slider-value=\"5\"\/>\n\n      <p class=\"mcalc-percent\">5%<\/p>\n    <\/div><div class=\"mcalc-half mcwp-insurance\">\n      <label for=\"annual_insurance_inp\">Annual Insurance<\/label>\n      <i>$<\/i>\n      <input type=\"text\" name=\"annual_insurance\" id=\"annual_insurance_inp\" value=\"600\" class=\"mcalc-dollar\">\n    <\/div><div class=\"mcalc-half mcwp-hoa\">\n      <label for=\"monthly_hoa_inp\">Monthly HOA<\/label>\n      <i>$<\/i>\n\n      <input type=\"text\" name=\"monthly_hoa_form\" id=\"monthly_hoa_inp\" value=\"50\" class=\"mcalc-dollar\">\n\n    <\/div><div class=\"mcalc-full mcwp-results\">\n      <label for=\"cal1_email\">Want a Copy of the Results?<\/label>\n      <input type=\"email\" id=\"cal1_email\" placeholder=\"Enter your email address\" value=\"\" name=\"email\" \/>\n      <input type=\"button\" id=\"wpmc1_send_mail\" class=\"mcwp-submit bg cv_submit mcalc-color\" value=\"Send Results!\">\n    <\/div>\n  <\/div>\n  <div class=\"mcalc-values\">\n    <div class=\"mcalc-results\">\n      <h2 class=\"mcalc-value mcalc-payment\">$<span id=\"emmp_div_span\">1421<\/span>\n      <\/h2>\n      <h3>Monthly Payment<\/h3>\n      <p class=\"mcwp-pi\">Principal &#038; Interest <strong class=\"mcalc-value\">$<span id=\"pi_div_span\">1421<\/span><\/strong><\/p>\n      <p class=\"mcwp-mt\">Monthly Taxes <strong class=\"mcalc-value\">$<span id=\"mtax_div_span\">1421<\/span><\/strong><\/p>\n      <p>Monthly HOA <strong class=\"mcalc-value\">$<span id=\"hoa_div_span\">1421<\/span><\/strong><\/p>\n      <p>Monthly Insurance <strong class=\"mcalc-value\">$<span id=\"minsure_div_span\">1421<\/span><\/strong><\/p>\n      <small><\/small>\n    <\/div>\n  <\/div>\n<\/div>\n<input type=\"hidden\" name=\"principal_and_interest\" class=\"pi_div_span\" \/>\n<input type=\"hidden\" name=\"calculation_result\" class=\"emmp_div_span\" \/>\n<input type=\"hidden\" name=\"monthly_taxes\" class=\"mtax_div_span\" \/>\n<input type=\"hidden\" name=\"monthly_insurance\" class=\"minsure_div_span\" value=\"\"\/>\n<input type=\"hidden\" name=\"monthly_mortgage_insurance\" class=\"mmi_div_span\" \/>\n<input type=\"hidden\" name=\"monthly_hoa\" class=\"hoa_div_span\" value=\"\"\/>\n<input type=\"hidden\" name=\"type\" value=\"cv\"\/>\n\n      <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\"\/>\n    <\/form><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c09d28a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c09d28a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/joey.integratedfunding.us\/apply-now\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Pre-Approved Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff2cf1b elementor-widget elementor-widget-spacer\" data-id=\"ff2cf1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b802f2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b802f2f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61b1043\" data-id=\"61b1043\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5abec20 elementor-widget elementor-widget-heading\" data-id=\"5abec20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Do You Need to Know?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7c1c0 elementor-widget elementor-widget-text-editor\" data-id=\"7e7c1c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">I strongly believe that one&#8217;s strength is wrapped with what he knows!<\/p><p style=\"text-align: center;\">That is why I see to it that my clients get the proper coaching going through the process. My objective is to lay down everything that you need to know about mortgage loans so you can make an educated decision when you get yours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cc200ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc200ee\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-be04be3\" data-id=\"be04be3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94a3dbf elementor-widget elementor-widget-heading\" data-id=\"94a3dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Required Documentation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dde90ff elementor-widget elementor-widget-toggle\" data-id=\"dde90ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2321\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2321\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Proof of Income<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2321\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2321\"><p>In most cases, you will be required to submit the following:<\/p><ol><li>Paystubs for the past 30 days showing both your current and the year-to-date (YTD) income.<\/li><li>W-2 (or 1099) Statements for the past two years.<\/li><li>Tax Returns (1040) for the past two years.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2322\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2322\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Proof of Funds<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2322\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2322\"><p>To prove that you have funds for the down payment and the closing costs on the loan, you will be asked of the following:<\/p><ol><li>Bank Account Statements covering two months or 60 days.<\/li><li>Investment Account Statements for the last quarter.<\/li><li>Gift Letters if you receive money from a relative or a friend to assist with the down payment.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2323\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2323\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Identification Documents<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2323\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2323\"><p>You will be required to submit copies of the following:<\/p><ol><li>Driver License.<\/li><li>Social Security Card.<\/li><li>Green Card (For permanent resident applicants.)<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2324\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2324\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Other Documentation<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2324\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2324\"><p>As the loan application progresses, the Lender might ask additional documentations on a case to case basis that include, but not limited to, the following:<\/p><ol><li>Letter of Explanations (LOX).<\/li><li>Employment Verification.<\/li><li>Transcript of Records or Diploma.<\/li><li>Etc.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b601de8\" data-id=\"b601de8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c39d2df elementor-widget elementor-widget-heading\" data-id=\"c39d2df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Loan Qualification<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27601cc elementor-widget elementor-widget-toggle\" data-id=\"27601cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4121\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4121\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Credit Score<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4121\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4121\"><p>Your Credit Score plays a major role in your ability to secure a mortgage loan and the interest rate that you can get.<\/p><p>Generally, the lower your credit score is, the higher the interest rate lenders will lend you money than that paid by someone with a better credit score.<\/p><p>Some loan programs also have minimum credit score requirement so be sure to consult with your Loan Officer about loan programs that are available for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4122\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4122\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Debt-to-Income Ratios (DTI)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4122\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4122\"><p>The Debt-to-Income (DTI) Ratio is the numerical representation of how much you owe each month to how much you earn and is used by lenders to determine your borrowing risk.<\/p><p>It is the percentage of your gross monthly income that goes towards the payments for mortgage, rent, auto loan, credit card debt, student loan or other debt.<\/p><p>Different loan programs have different DTI requirements, therefore, your Loan Officer calculates your DTI to determine the best loan program available for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4123\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4123\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Loan-to-Value (LTV)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4123\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4123\"><p>The Loan-to-Value (LTV) is the ratio of the amount of money being borrowed to the market price of the property subject to a mortgage.<\/p><p>Lenders use the LTV to assess the lending risk before approving a mortgage loan. High LTV loans, like a conventional loan with more than 80% LTV, would require the Borrowers to purchase a mortgage insurance and would have higher interest rates.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4124\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-4124\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Loan Limits<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4124\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-4124\"><p>When you get a mortgage, there is a limit to how much you can borrow and this limit is different for every county.<\/p><p>So, even if you are approved individually to apply for a loan with a particular amount, you still need to know how much does the Federal Housing Finance Agency (FHFA) set forth to conform with their standards.<\/p><p>If your purchase price goes beyond the conforming limits, you can still get the loan but you will no longer qualify to a more affordable mortgage loan specifically with conventional and FHA loans.<\/p><p>Click on this <a href=\"https:\/\/joey.integratedfunding.us\/loan-limits\" target=\"_blank\" rel=\"noopener\">link<\/a> to determine the current loan limits in your county.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d16bde3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d16bde3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-14bf77d\" data-id=\"14bf77d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f913467 elementor-widget elementor-widget-heading\" data-id=\"f913467\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Loan Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e821942 elementor-widget elementor-widget-text-editor\" data-id=\"e821942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This section will guide you to the costs that you need to pay<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bc553e elementor-widget elementor-widget-toggle\" data-id=\"1bc553e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2911\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2911\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Down Payment (DP)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2911\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2911\"><p>If you hear somebody telling you that you need to put up 20% of the purchase price as down payment, that is fake news! The truth is, you do not have to put up 20% DP in most cases.<\/p><p>Different loan programs offer different percentages for the downpayment and here are the most common:<\/p><ul><li>FHA &#8211; 3.5% (Minimum)<\/li><li>Conventional &#8211; 5% (Minimum). However, some lenders offer as low as 3% DP for first time home buyers so please check with your Loan Officer about this program.<\/li><li>VA &#8211; 0% (Minimum). For veterans who will apply for a VA Loan with non-spouse Co-borrower, VA will require a 12.5% DP.<\/li><\/ul><p>Further, if you do not have enough savings for the down payment, consult with your Realtor<em>\u00ae <\/em>or your Loan Officer for down payment assistance (DPA) programs that may be available for you.<\/p><p><a href=\"https:\/\/joey.integratedfunding.us\/how-much-do-you-need-for-a-down-payment\/\" target=\"_blank\" rel=\"noopener\">Read more here&#8230;<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2912\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2912\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mortgage Insurance<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2912\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2912\"><p>Mortgage insurance is an insurance policy that protects the mortgage lender or the title holder if the borrower defaults on payments, dies, or otherwise unable to meet their obligations of the mortgage.<\/p><p>With an FHA loan, it is called the Mortgage Insurance Premium (MIP) and the borrower needs to get it for the life of the loan.<\/p><p>With a conventional loan, it is called Private Mortgage Insurance(PMI) and it protects the lender. However, upon reaching an LTV of 80%, the PMI will be removed saving few hundred of dollars in monthly mortgage.<\/p><p>On the other hand, VA loans do not require mortgage insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2913\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2913\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Upfront Mortgage Insurance Premium (UPMIF)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2913\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2913\"><p>The Upfront Mortgage Insurance Premium (UFMIP) is a unique feature of FHA loans.<\/p><p>It is an insurance premium that is collected, either paid at closing or rolled over to the loan, at the time the loan is made.<\/p><p>UFMIP is added to a pool of money that is used to help FHA insure FHA Loans.<\/p><p>Currently, the UFMIP is 1.75% of the purchase price or the base loan amount (for refinance). So if your purchase price is $350,000, you will be required to pay, upfront, the amount of $6,125 and this will be added to the closing cost (or financed by the loan).<\/p><p>Talk to your Loan Officer about your options.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2914\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2914\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Credit Report and Appraisal<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2914\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2914\"><p>Borrowers are expected to pay for the cost associated with pulling their credit report. Some Borrowers pay it in advance or pay it at closing as part of the closing costs.<\/p><p>Another expense that the Borrowers are expected to pay is the cost of doing the appraisal of the property. In most cases, it is usually paid in advance using the Borrowers&#8217; credit card.<\/p><p>Talk to your loan Officer about your options.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2915\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2915\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Closing Costs<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2915\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2915\"><p>Closing costs are expenses you pay to your lender in exchange of loan services (processing fees) and can make up about 3-6% of the loan amount.<\/p><p>Some costs are lender requirements, some are government requirements and others may be optional and is a case to case basis.<\/p><p>These costs include application fee, loan origination fee, appraisal, closing fee, courier fee, credit report fee, discount points, escrow funds, etc.<\/p><p>Just remember that you can actually negotiate with a seller to help cover the closing costs, which are called seller concessions.<\/p><p>Talk to your Loan Officer about your options.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2916\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2916\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Cash to Close<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2916\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2916\"><p>Cash to Close refers to the total amount of money that you will need to pay on closing day to finalize the home purchase transaction.<\/p><p>The Cash to Close includes the closing costs and the remaining unpaid down payment.<\/p><p>Some people confuse cash to close with the closing costs. Though they are closely related, they are still different.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5bce697\" data-id=\"5bce697\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e68454e elementor-widget elementor-widget-image\" data-id=\"e68454e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"833\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/01\/compute-1024x833.jpg\" class=\"attachment-large size-large wp-image-25314\" alt=\"\" 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target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule a Free Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a6526d3\" data-id=\"a6526d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fef03a7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"fef03a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/joey.integratedfunding.us\/apply-now\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Pre-Approved Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14f241ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14f241ad\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3fa96f81\" data-id=\"3fa96f81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98d5101 elementor-widget elementor-widget-heading\" data-id=\"98d5101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are You Ready to Apply for a Loan Now?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9655a47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9655a47\" data-element_type=\"section\" 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class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f977c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f977c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e2eb428\" data-id=\"e2eb428\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e9ce17 elementor-widget elementor-widget-heading\" data-id=\"0e9ce17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Learning Hub<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd574ce elementor-widget elementor-widget-uael-posts\" data-id=\"bd574ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_slides_to_show&quot;:4,&quot;classic_slides_to_show_tablet&quot;:2,&quot;classic_slides_to_show_mobile&quot;:1,&quot;classic_show_filters&quot;:&quot;no&quot;}\" data-widget_type=\"uael-posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-post__header\">\n\t\t\t\t\t<\/div>\n\t\t<div class=\"uael-post__body\">\n\t\t\t\n\t\t\n\t\t<div class=\"uael-blog-terms-position-above_content uael-post-image-top uael-post-grid uael-posts\" data-query-type=\"custom\" data-structure=\"normal\" data-layout=\"\" data-page=\"25066\" data-skin=\"classic\" data-filter-default=\"\" data-offset-top=\"30\" >\n\n\t\t\t\t\t\t\t<div class=\"uael-post-grid__inner uael-post__columns-4 uael-post__columns-tablet-2 uael-post__columns-mobile-1\">\n\t\t\t\n<div class=\"uael-post-wrapper   fha-loan \">\n\t<div class=\"uael-post__bg-wrap uael-bg-wrap-disabled \">\n\n\t\t\t\t\n\t\t<div class=\"uael-post__inner-wrap uael-inner-wrap-disabled\">\n\n\t\t\t\t<div class=\"uael-post__thumbnail\">\n\t\t\t\n\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/mip-reduction-for-fha-loans\/\" target=\"_self\" title=\"MIP Reduction for FHA Loans\"><img decoding=\"async\" width=\"1920\" height=\"1278\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP.jpg\" class=\"attachment-full size-full wp-image-25725\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP.jpg 1920w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP-300x200.jpg 300w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP-1024x682.jpg 1024w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP-768x511.jpg 768w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Saving-on-MIP-1536x1022.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t\t<div class=\"uael-post__content-wrap uael-content-wrap-disabled\">\n\t\t\t\t\t\t\t<div class=\"uael-post__terms-wrap\"><span class=\"uael-post__terms\"><a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/category\/fha-loan\/\" class=\"uael-listing__terms-link\" id=\"uael-post-term-fha-loan\" aria-labelledby=\"uael-post-term-fha-loan\">FHA Loan<\/a><\/span><\/div>\n\t\t\t\t\t\t<h3 class=\"uael-post__title\">\n\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/mip-reduction-for-fha-loans\/\" target=\"_self\">\n\t\t\t\tMIP Reduction for FHA Loans\t\t\t<\/a>\n\n\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"uael-post__meta-data\">\n\t\t\t\t\t<span class=\"uael-post__date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-calendar\"><\/i>\t\t\t\t\t\t\t\t\t\n\t\t\tMarch 1, 2023\t\t<\/span>\n\t\t\t\t<span class=\"uael-post__comments\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-comments\"><\/i>\t\t\t\t\t\t\t\t\t\tNo Comments\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"uael-post__excerpt\">\n\t\t\tOn February 22, 2023, the\u00a0U.S. Department of Housing and Urban Development (HUD)\u00a0announced a 30 basis points (bps) reduction to the FHA Annual Mortgage Insurance Premium ...\t\t<\/div>\n\n\t\t\t\t\t<a class=\"uael-post__read-more elementor-button\" href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/mip-reduction-for-fha-loans\/\" target=\"_self\" aria-labelledby=\"uael-post-25715\">\n\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-button-text\" id=uael-post-25715>Read More \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\n\n<\/div>\n\n<div class=\"uael-post-wrapper   va-loan \">\n\t<div class=\"uael-post__bg-wrap uael-bg-wrap-disabled \">\n\n\t\t\t\t\n\t\t<div class=\"uael-post__inner-wrap uael-inner-wrap-disabled\">\n\n\t\t\t\t<div class=\"uael-post__thumbnail\">\n\t\t\t\n\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/va-funding-fee-charge-update\/\" target=\"_self\" title=\"VA Funding Fee Charge Update\"><img loading=\"lazy\" decoding=\"async\" width=\"1178\" height=\"785\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/military.jpg\" class=\"attachment-full size-full wp-image-25920\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/military.jpg 1178w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/military-300x200.jpg 300w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/military-1024x682.jpg 1024w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/military-768x512.jpg 768w\" sizes=\"(max-width: 1178px) 100vw, 1178px\" \/><\/a>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t\t<div class=\"uael-post__content-wrap uael-content-wrap-disabled\">\n\t\t\t\t\t\t\t<div class=\"uael-post__terms-wrap\"><span class=\"uael-post__terms\"><a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/category\/va-loan\/\" class=\"uael-listing__terms-link\" id=\"uael-post-term-va-loan\" aria-labelledby=\"uael-post-term-va-loan\">VA Loan<\/a><\/span><\/div>\n\t\t\t\t\t\t<h3 class=\"uael-post__title\">\n\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/va-funding-fee-charge-update\/\" target=\"_self\">\n\t\t\t\tVA Funding Fee Charge Update\t\t\t<\/a>\n\n\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"uael-post__meta-data\">\n\t\t\t\t\t<span class=\"uael-post__date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-calendar\"><\/i>\t\t\t\t\t\t\t\t\t\n\t\t\tFebruary 28, 2023\t\t<\/span>\n\t\t\t\t<span class=\"uael-post__comments\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-comments\"><\/i>\t\t\t\t\t\t\t\t\t\tNo Comments\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"uael-post__excerpt\">\n\t\t\tOn February 14, 2023, the U.S. Department of Veterans Affairs (VA) announced a scheduled change to VA Funding Fee Rates for loans closed on or ...\t\t<\/div>\n\n\t\t\t\t\t<a class=\"uael-post__read-more elementor-button\" href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/va-funding-fee-charge-update\/\" target=\"_self\" aria-labelledby=\"uael-post-25996\">\n\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-button-text\" id=uael-post-25996>Read More \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\n\n<\/div>\n\n<div class=\"uael-post-wrapper   general-information \">\n\t<div class=\"uael-post__bg-wrap uael-bg-wrap-disabled \">\n\n\t\t\t\t\n\t\t<div class=\"uael-post__inner-wrap uael-inner-wrap-disabled\">\n\n\t\t\t\t<div class=\"uael-post__thumbnail\">\n\t\t\t\n\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/who-are-first-time-homebuyers\/\" target=\"_self\" title=\"Who Are First-Time Homebuyers?\"><img loading=\"lazy\" decoding=\"async\" width=\"1179\" height=\"785\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/first-time-home-buyer.jpg\" class=\"attachment-full size-full wp-image-25965\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/first-time-home-buyer.jpg 1179w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/first-time-home-buyer-300x200.jpg 300w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/first-time-home-buyer-1024x682.jpg 1024w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/first-time-home-buyer-768x511.jpg 768w\" sizes=\"(max-width: 1179px) 100vw, 1179px\" \/><\/a>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t\t<div class=\"uael-post__content-wrap uael-content-wrap-disabled\">\n\t\t\t\t\t\t\t<div class=\"uael-post__terms-wrap\"><span class=\"uael-post__terms\"><a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/category\/general-information\/\" class=\"uael-listing__terms-link\" id=\"uael-post-term-general-information\" aria-labelledby=\"uael-post-term-general-information\">General Information<\/a><\/span><\/div>\n\t\t\t\t\t\t<h3 class=\"uael-post__title\">\n\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/who-are-first-time-homebuyers\/\" target=\"_self\">\n\t\t\t\tWho Are First-Time Homebuyers?\t\t\t<\/a>\n\n\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"uael-post__meta-data\">\n\t\t\t\t\t<span class=\"uael-post__date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-calendar\"><\/i>\t\t\t\t\t\t\t\t\t\n\t\t\tFebruary 25, 2023\t\t<\/span>\n\t\t\t\t<span class=\"uael-post__comments\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-comments\"><\/i>\t\t\t\t\t\t\t\t\t\tNo Comments\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"uael-post__excerpt\">\n\t\t\tWhen you are purchasing a home and you are a first-time home buyer, you might be eligible to several loan programs that are designed to ...\t\t<\/div>\n\n\t\t\t\t\t<a class=\"uael-post__read-more elementor-button\" href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/who-are-first-time-homebuyers\/\" target=\"_self\" aria-labelledby=\"uael-post-26005\">\n\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-button-text\" id=uael-post-26005>Read More \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\n\n<\/div>\n\n<div class=\"uael-post-wrapper   general-information \">\n\t<div class=\"uael-post__bg-wrap uael-bg-wrap-disabled \">\n\n\t\t\t\t\n\t\t<div class=\"uael-post__inner-wrap uael-inner-wrap-disabled\">\n\n\t\t\t\t<div class=\"uael-post__thumbnail\">\n\t\t\t\n\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/how-much-down-payment-do-you-need\/\" target=\"_self\" title=\"How Much Down Payment Do You Need?\"><img loading=\"lazy\" decoding=\"async\" width=\"1178\" height=\"786\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Down-Payment.jpg\" class=\"attachment-full size-full wp-image-25967\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Down-Payment.jpg 1178w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Down-Payment-300x200.jpg 300w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Down-Payment-1024x683.jpg 1024w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/03\/Down-Payment-768x512.jpg 768w\" sizes=\"(max-width: 1178px) 100vw, 1178px\" \/><\/a>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t\t<div class=\"uael-post__content-wrap uael-content-wrap-disabled\">\n\t\t\t\t\t\t\t<div class=\"uael-post__terms-wrap\"><span class=\"uael-post__terms\"><a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/category\/general-information\/\" class=\"uael-listing__terms-link\" id=\"uael-post-term-general-information\" aria-labelledby=\"uael-post-term-general-information\">General Information<\/a><\/span><\/div>\n\t\t\t\t\t\t<h3 class=\"uael-post__title\">\n\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/how-much-down-payment-do-you-need\/\" target=\"_self\">\n\t\t\t\tHow Much Down Payment Do You Need?\t\t\t<\/a>\n\n\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"uael-post__meta-data\">\n\t\t\t\t\t<span class=\"uael-post__date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-calendar\"><\/i>\t\t\t\t\t\t\t\t\t\n\t\t\tFebruary 17, 2023\t\t<\/span>\n\t\t\t\t<span class=\"uael-post__comments\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-comments\"><\/i>\t\t\t\t\t\t\t\t\t\tNo Comments\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"uael-post__excerpt\">\n\t\t\tAs a Loan Officer, one of the things that really surprises me hearing from my Clients is their belief that they need to put up ...\t\t<\/div>\n\n\t\t\t\t\t<a class=\"uael-post__read-more elementor-button\" href=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/how-much-down-payment-do-you-need\/\" target=\"_self\" aria-labelledby=\"uael-post-26014\">\n\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-button-text\" id=uael-post-26014>Read More \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\n\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"uael-post__footer\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e741095 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e741095\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb69760\" data-id=\"fb69760\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec8d17e elementor-widget elementor-widget-image-box\" data-id=\"ec8d17e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h2 class=\"elementor-image-box-title\">What My Clients Have to Say?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70b7acc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70b7acc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-29c02b6\" data-id=\"29c02b6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab2533e elementor-widget elementor-widget-testimonial\" data-id=\"ab2533e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Joey is one of the most organized loan officers I've ever encountered. He is keen to details and taught me things about my mortgage application that I never knew before. Highly recommended!\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"768\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/Nancy.jpg\" class=\"attachment-full size-full wp-image-25538\" alt=\"\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/Nancy.jpg 720w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/Nancy-281x300.jpg 281w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/Nancy-600x640.jpg 600w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">N. Baumann<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">September 2021<br \/>Fullerton, California<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eb1e4cd\" data-id=\"eb1e4cd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8315f7 elementor-widget elementor-widget-testimonial\" data-id=\"f8315f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"We encountered some unforeseen issues during the processing of our loan application but Joey stayed with us, kept us informed  and closely work with the Lender in resolving the issues. And we got approved!\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1271\" height=\"1280\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230.png\" class=\"attachment-full size-full wp-image-25579\" alt=\"letters, abc, e-2077230.jpg\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230.png 1271w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230-298x300.png 298w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230-1017x1024.png 1017w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230-150x150.png 150w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-e-2077230-768x773.png 768w\" sizes=\"(max-width: 1271px) 100vw, 1271px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">E. Sese<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">January 2022<br \/>Rialto, California<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1f06e61 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f06e61\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-49ebd75\" data-id=\"49ebd75\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdc9893 elementor-widget elementor-widget-testimonial\" data-id=\"cdc9893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Being first time homebuyers, we had to deal with overwhelming flow of information and too many processes in a short span of time. However, Joey led us one step at a time towards closing our loan.\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1271\" height=\"1280\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241.png\" class=\"attachment-full size-full wp-image-25581\" alt=\"letters, abc, o-2077241.jpg\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241.png 1271w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241-298x300.png 298w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241-1017x1024.png 1017w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241-150x150.png 150w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-o-2077241-768x773.png 768w\" sizes=\"(max-width: 1271px) 100vw, 1271px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">O. Ladia<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">August 2022<br \/>Covina, California<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5d6c71b\" data-id=\"5d6c71b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7d5704 elementor-widget elementor-widget-testimonial\" data-id=\"b7d5704\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Joey assisted us with our refinance and we closed few days earlier than expected. He kept us updated of what is going on along the way and he let us choose the interest rate that best suits our need.\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1271\" height=\"1280\" src=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239.png\" class=\"attachment-full size-full wp-image-25582\" alt=\"letters, abc, m-2077239.jpg\" srcset=\"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239.png 1271w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239-298x300.png 298w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239-1017x1024.png 1017w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239-150x150.png 150w, https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-content\/uploads\/2023\/02\/letters-abc-m-2077239-768x773.png 768w\" sizes=\"(max-width: 1271px) 100vw, 1271px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">M. Balucanag<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">August 2021<br \/>Corona, California<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b493dcf elementor-widget elementor-widget-spacer\" data-id=\"b493dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f75e7 elementor-widget elementor-widget-heading\" data-id=\"78f75e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">More testimonies to come...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d84eb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d84eb4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b82f49b\" data-id=\"b82f49b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-24cb8a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24cb8a6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-c9c4b9a\" data-id=\"c9c4b9a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0e293a elementor-widget elementor-widget-heading\" data-id=\"a0e293a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">So, what re you waiting for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1476a9e elementor-widget elementor-widget-spacer\" data-id=\"1476a9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9c8de6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c9c8de6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-pulse-grow\" href=\"https:\/\/meetings.hubspot.com\/joeynarciso\/consultation-mlo\" target=\"_blank\">\n\t\t\t\t\t\t<span 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We will achieve this goal with professional coaching, transparency and integrity.&#8221; Joey I. Narciso Mortgage Loan OriginatorNMLS # 2311575 Schedule a Free Consultation Which Type of Mortgage Loan Fits [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-25066","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/pages\/25066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/comments?post=25066"}],"version-history":[{"count":5,"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/pages\/25066\/revisions"}],"predecessor-version":[{"id":26151,"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/pages\/25066\/revisions\/26151"}],"wp:attachment":[{"href":"https:\/\/joey.integratedfunding.us\/staging\/1544\/wp-json\/wp\/v2\/media?parent=25066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}