Hormigueros, Puerto Rico Home Loan
Hundreds of home buyers across Hormigueros, Puerto Rico are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Hormigueros, Puerto Rico home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2023 Hormigueros mortgage guidelines. Our mission is to get you approved and into the best home loan Hormigueros has to offer. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
Home Loan Options
When it comes to Hormigueros, Puerto Rico home loan options we have them all. Every day Hormigueros welcomes new home buyers while current residents refinance their homes. Home Buyer Options Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores. Refinancing Options When it comes to refinancing your Hormigueros, PR home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Home loan experts near Hormigueros, Puerto Rico are standing by and ready to help. Connect with a licensed Hormigueros home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Hormigueros, PR
When it comes to Hormigueros, Puerto Rico home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Hormigueros Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Hormigueros, PR Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Hormigueros can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Hormigueros home loan team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to a better home loan. We got your Back!
My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.
We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!
I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.
I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!
Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.
Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.
Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.
Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.
The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.
Find Home Loans in Hormigueros, PR
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Home Loan Benefits in Hormigueros, PR
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Hormigueros, PR (888)416-0920.
Hormigueros es un municipio localizado al oeste del estado libre asociado de Puerto Rico. Hormigueros está repartida en 5 barrios y Hormigueros Pueblo, el centro urbano y administrativo del municipio de Hormigueros. El nombre se cree que fue puesto por 2 teorías que en el pueblo hubo una invasión de hormigas y la otra opción es que por haber sido el pueblo donde la Virgen se le apareció a Don Giraldo González a quedar el Santuario en una ermita cada vez que venían peregrinas de todos los pueblos de P.R parecía que era un hormiguero de hormigas. El pueblo está dividido por sectores los nombres son Lavadero, Plan Bonito, Jagüitas, las Parcelas San Romualdo, Las Plumas, el 5, Valle Hermoso Arriba y Abajo, Las Delicias, Guanajibo y el casco urbano. El pueblo de Hormigueros se encuentra entre Mayagüez Cabo Rojo San Germán. Los ríos que pasan por el pueblo son el Río Rosario y el Río Guanajibo. El pueblo de Hormigueros fue cuna de Segundo Ruiz Belvis. También de grandes cantantes como Bobby Cruz. El pueblo no tiene lugares turísticos, pero si tiene lugares históricos como la Basílica Menor Nuestra Señora de la Monserrate que se encuentra el casco urbano. La Basílica se caracteriza por la Virgen de Monserrate la cual se apareció en la ermita. Los lugares aledaños a ella son la Calle Santuario, Lema Palacios y el casco urbano. Otro lugar histórico es la casa de Los Peregrinos, que también se encuentra en la Basílica Santuario y donde vive el padre que está encargado de la Iglesia.
Datos relevantes de la historia de Hormigueros