Mortgage Loans | Financing Solutions

Home Mortgage Loan and Financing Services

Unlock Your Homeownership Dreams: Secure the Perfect Mortgage with New Key Realty Inc.

Explore Your Mortgage Loan and Financing Options with New Key Realty, Inc.

At New Key Realty, Inc., we offer a wide range of mortgage loan and financing options to meet the diverse needs of our clients. Our dedicated team of professionals is committed to helping you navigate the complex world of home financing, whether you are a first-time homebuyer, an investor, or looking to refinance. With our comprehensive loan services, we strive to provide personalized solutions tailored to your specific circumstances. From low down payment programs and down payment assistance for first-time buyers to specialized loan programs for self-employed individuals, we have the expertise to guide you towards the right financing option. Whether you’re seeking conventional loans, investment property financing, cash-out refinance, or reverse mortgages, we are here to assist you every step of the way. Let us help you explore the possibilities and secure the financing that best fits your needs and goals.

First-Time Home Buyers

We understand the unique challenges faced by first-time homebuyers. That’s why we offer specialized support to help you achieve your homeownership goals. Benefit from low down payment programs, including FHA loans with a minimal 3.5% down payment and VA loans offering 100% financing for eligible individuals. Explore various down payment assistance programs and take advantage of loan options designed specifically for self-employed individuals. With flexible conventional loan choices, including down payments as low as 3%, 5%, or more, we’re committed to finding the right financing solution for you. Trust us to guide you through the process and make your dream of owning a home a reality.

Low Downpayment Programs: We understand that saving for a large downpayment can be challenging for first-time buyers. That’s why we offer programs with low downpayment options, such as FHA loans with a 3.5% down payment and VA loans that provide 100% financing for eligible individuals.
Down Payment Assistance Programs: We can help you explore various down payment assistance programs available to support your homeownership journey.
Loan Programs for Self-Employed Individuals: We have specialized loan programs designed to meet the unique financing needs of self-employed individuals.
Conventional Loans: We offer conventional loan options with flexible downpayment choices, including 3%, 5%, or more, depending on your preferences and financial situation.

Investment Properties

When it comes to investing in real estate, we have the expertise and loan options to support your investment goals. Our traditional conventional loans are specifically tailored for investment properties, providing you with competitive financing options. If you’re self-employed or have non-traditional income sources, our 12- or 24-months bank statements program allows you to qualify for financing based on your bank statements over a specific period. Additionally, our DSCR (Debt Service Coverage Ratio) loans take into account the rental income from your investment property. As long as the rent covers the payment, the loan can be approved, providing you with a flexible and favorable financing solution. Trust us to help you navigate the complexities of investment property financing and make your investment aspirations a reality.

Traditional Conventional Loans: If you’re considering investing in real estate, we can assist you with traditional conventional loans tailored for investment properties.
12- or 24-Months Bank Statements Program: For self-employed individuals or those with non-traditional income sources, we have loan programs that consider your bank statements over a specific period to qualify for financing.
DSCR (Debt Service Coverage Ratio): Our DSCR loans consider the rental income from your investment property. As long as the rent covers the payment, the loan can be approved.

Refinance - Cash Out / Rate and Term

Whether you’re looking to change the terms of your mortgage or leverage your home equity, we offer a range of refinancing options to suit your needs. If you want to pay off your mortgage sooner, we can assist you in refinancing to a shorter term, such as 15, 20, or 25 years, helping you achieve your financial goals faster. Need access to cash? Our cash-out refinance option allows you to tap into your home equity, providing you with funds up to 90% of your property’s value. Additionally, we offer Home Equity Lines of Credit (HELOC) and second mortgages, giving you further flexibility in managing your finances. For those seeking alternative financing solutions, our private money loans are equity-driven, making them suitable for individuals who may not require income verification or have specific credit requirements. Trust us to guide you through the refinancing process and find the best solution to meet your financial needs.

Refinance for a Shorter Term: If you want to pay off your mortgage sooner, we can help you refinance to a shorter term, such as 15, 20, or 25 years.
Cash Out Loans: Tap into your home equity with a cash-out refinance, allowing you to access up to 90% of your property’s value.
Home Equity Line of Credit (HELOC) and Second Mortgages: We provide options for HELOCs and second mortgages, offering additional flexibility and financing solutions.
Private Money Loans: Our equity-driven loan options are available for those who may not require income verification or have specific credit requirements.

Reverse Mortgages

Unlock the potential of your home equity with a reverse mortgage, a unique financing option available to homeowners aged 62 or older. With a reverse mortgage, you can tap into the value of your home and receive funds in various ways. Whether you prefer a lump sum payment to cover immediate expenses, monthly payments to supplement your income, or even using the funds to invest in an additional property, a reverse mortgage offers flexibility and financial freedom. Our experienced team will guide you through the process, explaining the eligibility criteria, the impact on your existing mortgage, and the potential benefits and considerations. Discover how a reverse mortgage can provide you with the financial resources to support your retirement goals and enhance your quality of life.

Age Requirement: To qualify for a reverse mortgage, you need to be at least 62 years old or older.
Lump Sum Cash Out: With a reverse mortgage, you have the option to receive a lump sum payment, accessing the equity accumulated in your home.
Monthly Payments: Instead of a lump sum, you can choose to receive monthly payments from your home equity, providing a steady stream of income during retirement.
Investment Property Purchase: A reverse mortgage can even be utilized to cash out and fund the purchase of an investment property, allowing you to diversify your portfolio and potentially generate additional income.

Unlock Your Financing Solutions with Our Mortgage Loan Services

Experience the possibilities that our Mortgage Loan and Financing Services can offer you. We are dedicated to providing tailored solutions that align with your unique needs and goals. Our team of experienced professionals is committed to guiding you through the process, offering expert advice and unwavering support at every step. Whether you’re a first-time homebuyer, an investor seeking opportunities, or looking to refinance, we have the expertise and resources to help you achieve your financial objectives. Take the next step by filling out our mortgage loan form and embark on a journey towards securing the financing solution that best suits your needs

Welcome to New Key Realty Inc., your premier real estate agency serving Encino, California, the San Fernando Valley, and all of Los Angeles County.

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