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Which Type of Mortgage is Right for You?

We offer various types of home loans with the goal to empower borrowers to afford their dream home. Mortgages are not a “one-size fits all” investment.
However, the Click n’ Close process is ideal for every borrower as the process does not require the amount of paperwork and documentation of a traditional mortgage process. The digital mortgage offers a fast, simple and secure process engineered for efficiency. Click n’ Close offers the following loans to meet your needs:

First Time Home Loans    Conventional Home Loans

FHA Home Loans    Section 184 Home Loans

Renovation Loans    USDA Home Loans

VA Home Loans    Condominium Loans

Jumbo Loans    Rental Home Loans

Which Mortgage is Right for You?

Key Loan Program FeaturesConventionalFHAUSDAVAJumbo184 Native
Fixed or Adjustable Rates?yesyesyesyes
Down Payment Requirements3%3.5%0%0%10%2.25%
Can Gift Funds be Used for Closing Costs?yesyes
Can Seller Pay Closing Costs?yesyesyesyesyes6%
Second Homes or Rental Properties?yes
Mortgage Insurance Required?yesyesyesyes
Flexible Credit Requirementsyesyesyesyes

First Time Home Loan

FLEXIBLE PROGRAMS FOR FIRST TIME HOME OWNERS
Buying your first home is exciting and can be daunting. The mastermind behind Click n’ Close, Mid America Mortgage, has been lending since 1940 with loan officers who will guide you through purchasing your first home. Click n’ Close’s wide selection of programs include low down payment options, fixed and adjustable rate loans and repayment terms of fifteen and thirty years.

Contact us today to finance your first home fast, simply and securely.

Conventional Home Loans

LOW INTEREST RATE CONVENTIONAL MORTGAGES
Conventional mortgages tend to have a high loan limit with a higher down payment and low interest rates. Depending on the down payment, you may be able to finance this loan without mortgage insurance. Click n’ Close loan officers will be able to help you decide which home loan is best for your situation.

Contact us today to finance your dream home fast, simply and securely.

FHA Home Loans

LOW DOWN PAYMENT FHA MORTGAGES
Federal Housing Administration (or FHA) mortgages are popular with first time and repeat home buyers alike. FHA home loans offer low down payments, making home ownership available for many. The qualifying criteria for FHA mortgages is less strict than conventional loans in regards to credit scores and debt-to-income ratios.

Contact us today to finance your dream home fast, simply and securely.

Section 184 Home Loans

LOW DOWN PAYMENT NATIVE AMERICAN MORTGAGES
FHA home loans also include Section 184 mortgages for Native American families, villages, tribes or tribally designated housing entities. Section 184 home loans can be used both on and off native lands for new construction, rehabilitation, purchase of a home or a refinance. Click n’ Close’s creator, Mid America Mortgage is proud to be the largest loan originator of the Native American housing program in the country.

Contact us today to finance your dream home fast, simply and securely.

Renovation Loans

RENOVATION MORTGAGES FINANCE HOME IMPROVEMENTS AND A NEW HOME
There are many types of programs available to renovate or improve your existing or new home. The most common is a Federal Housing Authority (FHA) loan called a section 203(k). 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single process. The home must be at least one year old and the renovation costs must be $5,000 or greater.

Contact us today to finance your home renovation project fast, simply and securely.

USDA Home Loans

ZERO DOWN PAYMENT USDA MORTGAGES
U.S. Department of Agriculture (or USDA) mortgages are designed for eligible rural areas in the United States. USDA mortgages can offer up to 100 percent financing and zero down payments. Many suburbs surrounding larger metropolitan areas are included in the eligible regions to qualify for this loan. Find out if your area or income are eligible for a USDA home loan by contacting our USDA mortgage experts.

Contact us today to finance your dream home fast, simply and securely.

VA Home Loans

ZERO DOWN PAYMENT VETERAN MORTGAGES
Veterans Affairs (VA) home loans make it possible for our nation’s heroes, veterans and active duty men and women, and their families to purchase a new home with zero down payment. VA mortgages offer competitive interest rates, low to no down payment and often does not require private mortgage insurance. VA home loans can be used to help buy, build, repair, retain or adapt a home for your needs. Click n’ Close will generally loan up to four times a Veteran’s available entitlement without a down payment, provided their income and credit are qualified. VA loans are also available for the refinance of your home.

Contact us today to finance your dream home fast, simply and securely.

Condominium Loans

CONDOMINIUM MORTGAGES SIMPLIFIED
Condominium mortgages tend to be more complicated than traditional home loans due to the specialized condo qualification process. Condominiums are a form of ownership where units are owned by individuals but the land and common areas are owned jointly with all owners. Not all condo programs are alike and need to be approved, yet many are often already approved. Condo mortgages seem overwhelming but you’re in the right hands with experienced loan originators offering support every step of the way.

Contact us today to finance your dream condominium fast, simply and securely.

Jumbo Home Loans

LOW DOWN PAYMENTS WITH JUMBO MORTGAGES
Jumbo mortgages have higher loan amounts than the standard conventional loan amounts. The threshold for what qualifies as a Jumbo Loan varies from year to year and depends on the location of your dream home. Click n’ Close loan officers can advise you of the loan amounts for your area. Qualifications for jumbo home loans are more stringent, especially when reviewing your liquidity and how much money you will have left over after the loan closes (reserves). Jumbo mortgages offer greater flexibility include higher debt-to-income allowances and lower down payments without requiring mortgage insurance.

Click n’ Close’s loan officers can advise you of the loan amount which determines a conforming loan or a jumbo loan. Each jumbo home loan has their own variations for qualifying and our officers will help you understand all of the available options to make the best selection for your circumstances.

Contact us today to finance your home fast, simply and securely.

Rental Loans

INVESTMENT PROPERTY MORTGAGES MADE EASY
If you are looking to add a rental property to your investment portfolio, Click n’ Close will make your money work harder for you with competitive mortgage rates on investment property financing. Our loan officers are knowledgeable on the guidelines set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

Contact us today to finance your rental property fast, simply and securely.

Finally, a process
engineered for efficiency!

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