Rob Fluty
Your Mortgage QB
NMLS#1067208
Loan
Programs
Conventional Fixed Rate Mortgages
The Winning Play for Homeownership
Looking to score big in the homebuying game?
Our Conventional Fixed-Rate Mortgages are your winning play, offering stability, flexibility, and the kind of benefits that keep you ahead of the competition.
Low Down Payment Options: First-time homebuyers can kick off with just 3% down. Not a rookie? No problemâyou can still make the play with as little as 5% down.
No Upfront Mortgage Insurance Premiums: Avoid getting sacked by extra costs! With a conventional mortgage, thereâs no upfront mortgage insurance premium to worry about.
Automatic Mortgage Insurance Removal: Once you've paid down your mortgage 20%, your private mortgage insurance (PMI) drops off, freeing up your budget for other big plays.
Predictable Monthly Payments: Lock in your rate and enjoy steady, predictable payments, so you can focus on moving the chains and reaching your financial goals.
Ready to take the next step towards homeownership?
Donât waitâhuddle up with our team today and see how a conventional mortgage can help you drive down the field and secure the home of your dreams.
Adjustable-Rate Mortgages (ARM)
A Dynamic Play for Your Mortgage Game Plan
In the mortgage game, an Adjustable Rate Mortgage (ARM) is like calling an audibleâit starts with a set play, then adapts based on market conditions. Initially, you get a lower, fixed interest rate, which can mean smaller payments and more flexibility in your budget.
First Half â The Fixed Rate Period:
Early Advantage: Like a strong opening drive, ARMs offer lower initial rates, giving you the edge with reduced monthly payments.
Short-Term Gain: If you plan to sell or refinance before the fixed period ends, this strategy can save you money, similar to executing a quick, successful play.
Second Half â The Adjustable Rate Period:
Adjusting to the Defense: After the fixed period, your rate adjusts with the market, potentially raising or lowering your payments.
Rate Caps: Just like a solid offensive line, rate caps protect you from big hikes, keeping your financial game manageable.
Call the Play â Get In Touch Today
Not sure if an ARM is the right call? Your Mortgage Quarterback is ready to help you craft a winning strategy. Reach out today for a personalized consultation and letâs find the best path to your homeownership end zone.
FHA Mortgage Loans
Are you ready to march down the field toward your dream of homeownership but feeling sidelined by a lack of savings or less-than-stellar credit? Donât worry; FHA mortgages are your MVP playâdesigned to get you across the goal line.
Think of an FHA mortgage as your all-pro quarterback, leading you to victory with just a 3.5% down payment and a minimum credit score of 580. Itâs not just a loan; itâs your game-winning strategy to owning your first home.
Much like a perfectly executed play, FHA mortgages are changing the game for first-time buyers, offering a winning combination of affordability and accessibility. Donât let the fear of a financial fumble keep you from the end zone.
With an FHA mortgage, you can tackle the homeownership journey with confidence, knowing youâve got the right team on your side. Get ready to kick off your path to homeownership today, with less upfront cost and more understanding of your unique financial playbook.
VA Mortgage Loans
Your VA Loan MVP
Weâre in the game to help our veterans and service members score big with our VA Loan program. Think of us as your trusted QB, calling the right plays to get you into your dream home. With no down payment, no PMI, and unbeatable rates, our VA loans are a winning strategy for those whoâve served our country.
Why Huddle with Us?
Zero Down Payment: Keep your cash in the game with no money down.
Low-Interest Rates: Lock in rates that give you the home field advantage.
No PMI: Avoid the extra costs and focus on what mattersâyour home.
Expert Guidance: Weâll quarterback you through every play, ensuring you cross the goal line with confidence.
Ready to Make the Winning Play?
Letâs take the field together and make your homeownership dreams a reality. Contact Your Mortgage Quarterback today and letâs score that touchdown!
Reverse Mortgage Loans
Your Financial Gameday Strategy
Take control of your financial playbook with a Reverse Mortgage Loanâyour ultimate fourth-quarter strategy. Designed for homeowners aged 62 and older, this option allows you to unlock your home's equity and turn it into a winning financial resource.
Run the Clock with Peace of Mind
Just like a seasoned quarterback making a clutch play, a Reverse Mortgage Loan lets you boost your retirement income, tackle unexpected expenses, and run down the clock with confidence. Best of all, you can stay in your home and avoid monthly mortgage payments.
The Ultimate Financial Touchdown
Enjoy the flexibility to use your equity as you see fit. Whether itâs for healthcare costs, home improvements, or simply enhancing your lifestyle, a Reverse Mortgage Loan is your financial touchdown, giving you the freedom to live out your golden years on your own terms.
Self-Employed Borrowers
Score Your Dream Home with Our Self-Employed Mortgage Solutions
As a self-employed borrower, tax write-offs might be a win for your taxes but can tackle your chances of qualifying for a mortgage. Weâre here to quarterback your journey, guiding you to the best mortgage options available.
With over a dozen loan products, including bank statement and P&L loans, weâll craft a game plan that maximizes your buying power. Whether itâs a 12-month or 24-month option, or a loan with a low expense ratio, weâll ensure you get the most house for your money.
Even with just 10% down, our team will lead you down the field with competitive interest rates and tailored strategies to secure your home.
Ready to make the winning play? Letâs get you across the goal line!
Jumbo Loans
The MVP of High-Value Home Financing
Kickoff: Looking to make a game-changing play in the luxury home market? Our Jumbo Loan program is the perfect pass to get you across the goal line and into your dream home. Designed for high-value properties that exceed conventional loan limits, this is your winning strategy for financing a home thatâs a true standout.
Move the Chains: Jumbo Loans are your ticket to moving the chains when the stakes are high. With loan amounts exceeding the standard limitsâoften above $726,200 and higher in prime areasâyouâll have the financial muscle to tackle those high-priced properties and get the home youâve always wanted. Think of it as your first down in the luxury real estate market.
Go for the End Zone: Why settle for less when you can go for the end zone? With our Jumbo Loan program, you can call the shots, with competitive interest rates and flexible terms that put you in the driverâs seat. Whether you're aiming for your first luxury home or adding a valuable asset to your real estate playbook, weâre here to coach you through every step of the process.
Touchdown: Ready to make your move? Donât let loan limits block your path to victory. Huddle up with Your Mortgage Quarterback today and find out how a Jumbo Loan can be the MVP of your home-buying strategy.
Contact us now, and letâs start drawing up the play that will get you into your dream home!
Borrowers With Considerable Assets
Asset Depletion Loan Program
If you have substantial assets but limited income, our Asset Depletion Loan Program might be the perfect solution. This program allows you to qualify for a mortgage by leveraging your liquid assets as a source of income, without the need for a steady paycheck.
How It Works:
Rather than relying on traditional income verification methods, we calculate a portion of your assets as income. By dividing your total assets by a specific factor, we determine an income equivalent that can be used to qualify for your loan. This is an excellent option for retirees, high-net-worth individuals, or those with significant savings and investments who may not have a consistent income stream.
Program Highlights:
Flexible Qualification: Ideal for borrowers with considerable assets but low or irregular income.
Wide Range of Eligible Assets: Includes savings, investments, retirement accounts, and other liquid assets.
Competitive Rates: Enjoy attractive interest rates based on your asset profile.
This program offers the flexibility you need to access the home financing that aligns with your financial situation. Speak with Your Mortgage Quarterback today to see how our Asset Depletion Loan Program can help you secure your dream home.
Home Equity Loans
Transform Your Home Equity into Your Financial Swiss Army Knife: Why let the equity in your home gather dust when it could be your golden ticket to financial flexibility?
A Home Equity Line of Credit (HELOC) isn't just a loan; it's your opportunity to unlock a lower-interest fund for renovations, debt consolidation, or any unforeseen expenses.
Imagine the freedom of accessing money when needed, with the added perk of potential tax-deductible interest. Turn your home equity from a static asset into an active ally in your financial arsenal.
Ready to tap into your home's hidden value? A HELOC is your key to financial agility and peace of mind.
Real Estate Investors
Struggling to fund your real estate dreams due to outdated lending rules? Fear missing the next big deal. Our investor loans change the game:
Qualify with property rental income, (DSCR)
Finance your Fix and Flip: include not only the cosyt of the property, but also the costs of the renovation.
Bridge the gap to success. Crush those excuses and seize your opportunity now with a short-term Bridge Loan.
Renovation Loans
Whether youâre dreaming of a complete home makeover or just want to make a few updates, our renovation loan programs are designed to turn your vision into reality. Just like the transformations you see on HGTV, you can upgrade your home with ease using one of our tailored loan options:
Conventional Renovation Loans: Perfect for those looking to finance major renovations or minor repairs with flexible terms and competitive rates. This loan option is ideal for homeowners who want to customize their property to fit their unique style and needs.
VA Renovation Loans: Serving those who have served us, our VA renovation loans offer veterans and active-duty military members the opportunity to purchase or refinance a home while rolling the costs of home improvements into the loan. With no down payment required, it's an excellent option to bring your home up to standard.
FHA Renovation Loans: Whether you're buying a fixer-upper or need to modernize your current home, FHA renovation loans provide the financial flexibility you need. Backed by the Federal Housing Administration, these loans are accessible to a wide range of borrowers, making it easier to fund your home improvement projects.
Transform your living space into the dream home youâve always wantedâjust like the experts do on TV. Our team of experienced mortgage professionals is here to guide you through the process, helping you choose the loan that best fits your needs and budget.
Ready to get started? Contact us today to learn more about how our renovation loan programs can help you create a home you'll love for years to come.
1st Time Investor Hack
First-Time Investor Hack: Score Big with Minimal Down Payments
Get ready to make a game-changing play with your first home purchase by turning it into a powerful investment opportunityâwithout fumbling the finances.
For Veterans (VA Loan): As a veteran, youâve got a golden opportunity to drive down the field with zero down payment. Itâs like having a first-and-goal with no defense in sight. Purchase a 4-plex, live in one unit, and let the rental income from the other three help tackle your mortgage payments. This is your chance to make a winning play with no upfront cash.
For Non-Veterans (FHA Loan): Not a veteran? No problem! You can still make a key play with an FHA loan, putting down just 3.5%. This is your shot to get into the end zone of real estate investing by buying a 4-plex. Live in one, rent out the others, and let their income help you score big on your mortgage.
For Investors: If youâre going for the traditional investment routeâbuying a 4-plex purely as a rental propertyâbe ready to put 25% down. But by playing smart and occupying one of the units, you can use a VA or FHA loan to keep more cash in your playbook.
This strategy is your perfect game plan to get into the real estate market with minimal financial hurdles, turning your first home into an MVP investment.
Western Pioneer Financial
1398 W Herndon Ave #205
Fresno, CA 93711
NMLS# 223537
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