Residential Mortgages
Let Chissell Mortgage Group Compare Home Loan Types, Terms, And Rates For You!
Banks are notorious for taking a "one mortgage fits all" approach to lending. Either you qualify or you don't, and the rate is set depending on your credit score. Mortgages are cut and dry for banks.
But that's not how the actual mortgage industry works.
You have options. From FHA to Traditional loans, there are lots of mortgage types, lots of lenders, and believe or not, different rates depending on the lending institution not necessarily your credit score.
Contact Chissell Mortgage Group today to learn more about how we can help.
Residential Mortgages
What to know about mortgages
When you first start looking for a loan, you think, "I need to borrow money. I need to find the best interest rate, and I need to do it quickly."
However, as you start your search, you are initiated with options. Would you like an adjustable rate mortgage, 30-year fixed, 15-year fixed, FHA, VA, etc. What bank do you want to work with? Who offers the best rate for your circumstances.
Inevitably you are overwhelmed because it is difficult to answer these questions on your own. At this point, you need a mortgage professional.
Mortgage brokers Like Chissel Mortgage Group, help you navigate all your options and help you find the best mortgage type at the best rate. Learn more about loan types and how we can help.
FHA Loans
FHA loans are backed by the US Federal Housing Administration; however, they are still issued by an FHA-approved lender.
FHA loans require some additional leg work and generally require a smaller down payment and a credit score of 580 or better.
Contact us and find out if an FHA loan is right for you.
Conventional Loans
Unlike an FHA loan, conventional loans are not guaranteed by the government. They require less paperwork and are available to qualified buyers.
These loans are typically still backed by Fannie Mae or Freddie Mac, government-sponsored enterprises.
Call us today, (727) 376-6900 to apply for a conventional loan.
VA Loans
Have you served our country for 90 consecutive days during wartime, 181 days during peace time, or spent 6 years in the National Guard or reserves?
If the answer is yes to any of these questions, you may qualify for a VA loan. VA loans offer additional benefits compared to FHA or Conventional loans with some additional restrictions.
Contact us and find out if an FHA loan is right for you.
Private Money
Private money is a great option for people who don't qualify for a traditional mortgage or government loans.
Types of people who could benefit from a private money loan include foreign nationals, individuals purchasing luxury properties, second homes, the self-employed, gig-workers, and anyone who's income is non-traditional.
Call us today, (727) 376-6900 to learn more about our private money options.
Banks—one lender, themselves.
Chissell Mortgage Group—multiple lenders to get you the best loan possible.
Mortgage Calculator
Why Choose Chissell Mortgage Group?
Experienced Team
Our multigenerational team gives you years of mortgage experience combined with the technical know how of a younger generation.
More Options
We are an independent mortgage group, which means we can shop your mortgage application to various lenders, not just the lenders provided by corporate bureaucracy.
A Commitment Clients
We've been in business for over 30 years because of one thing. We work hard for our clients, and our clients refer us to their friends. Without you, there is no Chissell Mortgage Group, so we are committed to you and will help you through every step of the process.
