There are literally hundreds of different mortgage loan products available today. Choosing the one that's right for you will depend on a number of variables relating to your individual situation. Factors like your budget, your credit history, your future financial prospects and how long you plan to occupy the home will all play a part when it comes time to choose a home loan. Interest rate trends and the market in general will also inform your selection. To find the best mortgage loan for you, it's important that you first take the time to understand the basic features of each and how they differ.

Please take a moment to learn more about the loans available to you through Unified Financial Group:

• Types of Mortgages
• Adjustable Rate Mortgages
• Fixed Rate Mortgages

Key Factors in Qualifying for a Loan

Unified Financial Group verifies your current employment and analyzes your total income when determining whether or not you qualify for a particular mortgage. Showing that you have been in the same job for at least two years or the same line of work for a few years helps.

Your credit report, one view of how willing you have been historically to pay your debts on time, is a key measure that we review after you apply for a loan. Because credit reports can be inaccurate due to personal identity theft or a failure of creditors to report changes in your status, we look at other factors as well, including size of down payment and expected use of the purchased property amongst others.

Low down payment mortgages are available. Depending on the terms and your financial history, we may require you to carry mortgage insurance to protect the health of our business should you become unable to make a payment for a limited time.

We review each loan application on a base-by-case basis in order to work with you to find a solution that meets your goals and our loan standards.

Still have questions? Contact Us.

Ready to get started? Apply Now.