Loan Products
Exciting News for Homebuyers! 🎉
DSHA has launched new homeownership programs, for new applications beginning June 15th. Whether you're a first-time homebuyer or a repeat buyer, we've got something for you. Check out the highlights: ✅ Smart Start Home Loan: Get competitive interest rates at or below...
Mortgage Loan Options
There are several different loan options available. Here is a brief scenario of each option. 30 YEAR FIXED RATE MORTGAGE The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to...
VA Financing
VA loans allow us to take care of our own. Is your credit not so great? No problem! VA makes it possible for a borrower with a 560 credit score to qualify. The VA loan offers many benefits and we highlighted some of them below. Highlights No down payment Up to 100%...
Conventional – Home Ready Loans
With HomeReady, creditworthy low to moderate-income borrowers can now get the financing they need to purchase their home. Home Ready loans typically offer the benefits of lower interest rates and a lower mortgage insurance rate. And the best part is, you do not have...
FHA Loans – Affordable Mortgages
FHA mortgages are government-assisted alternatives to conventional financing and are great options for those who want to put less money down or who have lower credit scores. While these mortgages do require expenses in the form of monthly mortgage insurance, they...
Information Regarding an 80/10/10 and when to use it
Several of my clients are buying new construction homes. This sometimes put them in a unique situation because typically the builder wants to see a mortgage approval prior to starting to build their home. Some of my clients simply cannot afford to own two homes. So...
Financing options for obtaining a Second Home
Have you always dreamed of owning a vacation home? It's not a decision to be taken lightly, but if it is something you've always wanted, the means for making that dream come true are not as difficult as you might think. Here's some things you should know:...
How an Adjustable Rate Mortgage (ARM) works
Adjustable rate mortgages (ARM) can be intimidating for a borrower to think about when they are going through the mortgage process. An ARM has its benefits and risks. I always tell my clients, if you don't like gambling, don't go with the ARM. ARMs have changed over...
Quick Links
All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 210 S. Mill Rd., Ste. 104, Kennett Square, PA 19348. Phone 484-656-7773. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.
All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 210 S. Mill Rd., Ste. 104, Kennett Square, PA 19348. Phone 484-656-7773. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.