Julio Arauz
Senior Loan Officer
NMLS#: 2216854
Phone Number: 954 - 773 - 5667
Email: jarauz@swanhelp.com
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EXTRA EXTRA EXTRA !!! Mr. ITIN is Here
About me
I will use my experience to find the best product for whatever your situation. Experienced in FHA, Conventional ITIN, Jumbo loan programs. I enjoy educating my clients on the loan process. I pride myself in knowing that my clients have a much better understanding of the mortgage process by the time we close the loan. Once your are my client you are my client for life. I will watch the market and if there is a ever a better available situation you should expect a call. Our goal is for you to be a lifetime client and our team members prove it every day.
Call us today to begin your personalized mortgage loan experience!
Our Loan Programs
Our Loan Programs
Read more about our most popular loan programs:
FHA
FHA
FHA loans are a type of mortgage loan that is insured by the Federal Housing Administration (FHA). These loans are designed to help lower-income and first-time homebuyers who may not qualify for a conventional mortgage obtain financing to purchase a home. FHA loans have more lenient credit and income requirements compared to traditional loans, and they typically require a lower down payment. However, borrowers are required to pay mortgage insurance premiums (MIP) to protect the lender in case of default.
VA
VA
VA loans are a type of mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are designed to help eligible veterans, active-duty service members, and their families to buy, build, or refinance a home. VA loans offer several advantages, such as requiring no down payment or mortgage insurance, and often have lower interest rates than conventional loans. They also have more lenient credit requirements and may offer assistance to borrowers who experience financial hardship.
Conventional
Conventional
Conventional loans are a type of mortgage loan that is not guaranteed or insured by the government. These loans are offered by private lenders such as banks, credit unions, and mortgage companies. Conventional loans typically have more stringent credit and income requirements compared to FHA or VA loans, and they may require a higher down payment. However, they often offer more flexibility in terms of loan terms and may have lower interest rates depending on the borrower's credit score and financial situation.
ITIN / LINK
ITIN / LINK
This one is an exclusive program for Swan Fiancial eligible to foreign nationals and ITIN / W7. ITIN loans are mortgage loans that are available to individuals who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. These loans are designed to help non-U.S. citizens, such as immigrants, who may not have a Social Security number to qualify for a mortgage. ITIN loans often have more stringent requirements compared to conventional loans and may require a higher down payment or have higher interest rates. However, they can be a viable option for borrowers who do not have a Social Security number but have other forms of identification, such as an ITIN.
USDA
USDA
USDA loans are a type of mortgage loan that is guaranteed by the U.S. Department of Agriculture (USDA) and is designed to help borrowers in rural and suburban areas purchase a home. These loans offer 100% financing, meaning no down payment is required, and often have lower interest rates and more lenient credit requirements compared to conventional loans. To be eligible for a USDA loan, the property must be located in a designated rural area and the borrower's income cannot exceed certain limits.
Steps to Homeownership
It's easier than you think to become a homeowner. We’ll help you with your application and find the best option for your unique needs. We’ll be by your side to answer questions, deal with any issues that may arise, and get you to your closing with minimal stress.
The Basics
When you take out a mortgage loan how much you repay is determined by several factors. The total cost of your mortgage, including all of the below, is known as the annual percentage rate (APR), which is typically higher than the interest rate. Using the APR, you can compare mortgages of the same dollar amount by considering their total annual cost.
§ Interest Rate
This is the percentage of your loan amount we charge you to borrow money in order to buy your home. Interest rates are based on current market conditions, your credit score, down payment, and the type of mortgage you choose.
§ Discount Point
Paying discount points up front is a way to lower your interest rate and your monthly payment. One point equals 1% of your mortgage amount. Points are usually tax deductible. (Consult a tax advisor on the deductibility of interest).
§ Origination Charge
This includes all charges (other than discount points) associated with completing your mortgage transaction. It covers fees, document preparation, underwriting costs, and other expenses.
§ Loan Term
This is the amount of time you have to pay off your mortgage balance. Shorter loan terms typically mean higher monthly mortgage payments, but often have lower interest rates. If you pay off your mortgage balance within a shorter term, you may pay less in total interest compared to a longer-term mortgage .
Location
Location
Address: 320 Whittington Parkway, Suite 106
Louisville, KY 40222 USA
Cell Phone: (954) 773-5667
“El éxito es la suma de pequeños esfuerzos repetidos día tras día. “
¡Comience su proceso de préstamo hipotecario hoy! Nuestros oficiales de crédito están a la espera. Solicite una cotización de tarifa personalizada gratuita.
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