Right-Sizing

Homeownership Journey by Life Stage

Find the right home for every stage of life. Our specialized solutions and professional advice assist you at every stage, whether you're a first-time home buyer or an experienced investor.

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Retirees & Downsizers

Find a Home that Matches Your Changing Needs  

Retirement can bring significant lifestyle changes, and finding a new home that reflects your current and future needs is essential. We will help you identify the ideal downsizing opportunity or find a retirement-friendly property.

Key Concerns:

  • Simplifying the Moving Process  
  • Exploring Single-Level and Accessible Options  
  • Utilizing Home Equity Effectively  
  • Understanding Senior-Specific Financing Benefits  

Ready to take the next step? No matter what stage you're in, we provide tailored tactics to assist you in reaching your aspirations of becoming a homeowner. Contact us today for tailored advice and financing options.

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First-Time Homebuyer
Interest Rates
Hard To Qualify For
Buying A Modest Home
Super High Loan Minimum

First-Time Homebuyer

Risk Factor

You cannot get a jumbo loan as a first-time homebuyer.

Solution

But this is not the case. Even if you are buying your first home, you can apply for a jumbo loan. And you may be successful depending on your credentials.

Interest Rates

Risk Factor

You will pay a higher interest rate on a jumbo loan.

Solution

DSCR loan interest rates are comparable to conforming loans.

Hard To Qualify For

Risk Factor

Jumbo loans are hard to qualify for.

Solution

Jumbo loans are a bit more difficult to qualify for but not by very much as a credit score of 720 is fairly easy to achieve.

Buying A Modest Home

Risk Factor

You do not need a jumbo loan if you are not buying a mansion.

Solution

It is not uncommon for regular homes to require more financing to buy than you can obtain through the use of a conforming mortgage.

Super High Loan Minimum

Risk Factor

Jumbo loans require a super high loan minimum.

Solution

Jumbo loans don’t start at $1 million dollars. Instead, the minimum amount for a jumbo loan is anything above the conforming loan limit of $647,200.

Design Home Loans

I bring a customized, unique approach to mortgages. My lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

949-307-2082

E-MAIL

patty@designhomeloansinc.com

ADDRESS

704 Trailblaze
Irvine, CA 92618

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Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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