At Linour Lending, we specialize in crafting personalized loan solutions that transform your homeownership aspirations into reality. Benefit from our competitive rates and tailored service that prioritizes your individual needs. Explore our array of straightforward lending options, from fixed to adjustable rates, designed to suit your unique financial landscape. Secure your dream home with confidence and ease.
Choose a Loan
Conventional Purchase Loan
- As low as 1% down for home purchases.
- Eliminate mortgage insurance with a 20% down payment.
- Choose your own mortgage term, from 8 to 30 years.
FHA Loan
- Ideal for first-time buyers with minimal down payments.
- Flexible credit qualifications to assist a broader client base.
- Continued mortgage insurance for financial protection.
- Terms from 8 to 30 years, designed to fit your life stage.
VA Loan
- Exclusively for service members, from active duty to veterans.
- Zero down payment — a token of gratitude for your service.
- Skip the mortgage insurance; we’ve got you covered.
- Simplified credit qualifications with terms from 8 to 30 years.
Jumbo Loan
- Financing beyond conventional limits for your substantial investment.
- Solidify your application with robust reserve funds.
- Navigate strict debt-to-income criteria with our expert guidance.
- Flexible terms, because one size doesn’t fit all.
Select your preferred mortgage option, and our certified loan specialist will reach out to you.
At Linour Lending, we offer a selection of loan options catered to the needs of new homeowners aiming to secure their ideal home. Benefit from our competitive rates and a dedicated customer journey that prioritizes your preferences. Opt for the simplicity and peace of mind of fixed rates, or take advantage of the flexibility that variable rates provide, ensuring your financing solution fits your financial goals.
Ready to invest in your Future Dream home?
Exploring options for significant investments? We offer structured loan solutions to support your personal ventures. Explore the essential features of our purchase loan below.
- A clear copy of your driver’s license for identification.
- The last two years of tax returns and W2 forms (or business taxes if self-employed) to prove income.
- The most recent two pay stubs from your work.
- Two months’ worth of bank statements from all accounts, including checking, savings, 401K, etc.
- Social Security award letter and pension documents, if applicable.
- For any other owned properties, current mortgage statements and homeowner’s insurance.
- HOA statement, if applicable.
The mortgage process typically takes 20 to 45 days from application to closing. This timeframe can vary based on specific factors related to the transaction and the processing time of the loan. Pre-approval can shorten this period significantly.
HOA (Homeowners Association) fees are charges imposed by a homeowners association to cover the costs of maintaining and improving properties in a subdivision, condominium, or planned unit development. These fees can cover landscaping, communal amenities, and other services.
A down payment is an upfront payment made when purchasing a home. It is typically a percentage of the total purchase price and is part of the home’s purchase price not covered by the mortgage loan.
The principal is the amount of money borrowed to buy a home. It is the base amount on which interest is calculated in a mortgage.
The loan term is the length of time over which the loan will be repaid. Common mortgage terms are 15, 20, or 30 years. The term affects both the monthly payment amount and the total amount of interest paid over the life of the loan.
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Loan officers ready to help you
Our team of experienced loan officers is here to navigate you through the optimal home loan solutions and assist you with the necessary documentation.