Julio Arauz
Senior Loan Officer
NMLS#: 2216854
Phone Number: 954 - 773 - 5667
Email: jarauz@swanhelp.com
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
Read more about our most popular loan programs:
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 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 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
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 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
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. “
Swan Financial Home Loans
Asociación de agentes inmobiliarios EN ESPAÑOL
Abriendo la puerta a la propiedad de vivienda
Swan Financial ofrece todo tipo de opciones de compra de vivienda, incluidas FHA, VA, USDA, convencional, extracto bancario, DSCR, Non-QM y el programa SwanLC.
El programa SwanLC ofrece una opción para posibles propietarios de viviendas que no pueden calificar para una hipoteca tradicional. La mayoría de nuestros clientes de SwanLC son ITIN o recientemente han trabajado por cuenta propia. Al asociarse con Swan, podrá ofrecer a sus compradores ITIN y recientemente autónomos un pago inicial del 3.5 % para la compra de una vivienda con una hipoteca fija baja a 40 años.
Los fondos requeridos al cierre son menos de la mitad de los de otros programas ITIN típicos
Nuestras tasas de interés fijas son 2% o más inferiores a las de los programas ITIN típicos.
"Comprometidos en brindar soluciones para que más personas trabajadoras puedan alcanzar la satisfacción de ser dueñas de su propio hogar."
BENEFICIOS DE ASOCIARSE CON NOSOTROS
Proporcionamos videos personalizados y marketing para que usted haga crecer su negocio.
Incrementar los cierres en un 40%
Oficiales de préstamos y procesadores de habla hispana
Proporcionar opciones de vivienda asequibles
Mantenga los fondos de los compradores al mínimo
Construir comunidad
Vender más viviendas de nueva construcción
Ofrecer alternativas de financiación
Descubrirá que nuestras tarifas son algunas de las más bajas del mercado.
¡Piensa en cisne!
El programa SwanLC abre la puerta a la propiedad de vivienda para compradores con ITIN y recientemente autónomos
Requisitos de SwanLC
Puntaje de crédito de 580 o superior
Sin condimento de fondos de pago inicial
Amigable para nuevos empleados y autónomos
Utilice extractos bancarios para ingresos de autónomos
12 meses de historial positivo de alquiler o hipoteca
Swan pre aprueba a los compradores potenciales en tan solo una hora y ofrecemos las mejores condiciones del mercado.
¡Llámenos hoy para una llamada de presentación o una reunión de Zoom para revisar nuestro producto y proceso y comenzar a ayudar a más personas a convertirse en propietarios de viviendas!
Julio Arauz 954-773-5667 o Eddie Sexton 502-645-0102
¡Aumenta tus ventas en un 40%! ¡Llama ahora!
¡Comience su proceso de préstamo hipotecario hoy! Nuestros oficiales de crédito están a la espera. Solicite una cotización de tarifa personalizada gratuita.