Are you ready to take the first step towards building a legacy of prosperity for yourself and future generations?
Learn how to create generational wealth!
WELCOME TO A NEW ERA IN MORTGAGE EXPERTISE.
Are you ready to take the first step towards building a legacy of prosperity for yourself and future generations?
Learn how to create generational wealth!
GET STARTED
Your mortgage needs are at the heart of our approach. Our personalized solutions go beyond the standard transaction, adapting to your lifestyle and financial goals. We believe in making the mortgage experience uniquely yours.
Your mortgage needs are at the heart of our approach. My team and I's personalized solutions go beyond the standard transaction, adapting to your lifestyle and financial goals. We believe in making the mortgage experience uniquely yours.
REAL-LIFE EXPERIENCES FROM HOME BUYERS WHO HAVE WORKED WITH US
SUCCESS STORIES
REAL-LIFE EXPERIENCES FROM HOME BUYERS WHO HAVE WORKED WITH US
"I have financed many real properties in the past and Fulcrum Home Loans offered the most professional, thorough and supportive guidance during the entire process. I highly recommend using Fulcrum 100%."
-Craig
"Amazing service. They answer all of out question promptly, helped us get the best rate in this market and closed on time. I definitely recommend Fulcrum home loans for your home purchase."
-SAC
"Had a wonderful experience with Fulcrum and highly recommend them. Knowledgeable, friendly, and always getting information over right away. Nothing was ever delayed. The whole team helped make the experience great!"
-Kerri
"I have financed many real properties in the past and Fulcrum Home Loans offered the most professional, thorough and supportive guidance during the entire process. I highly recommend using Fulcrum 100%."
-Craig
"Amazing service. They answer all of out question promptly, helped us get the best rate in this market and closed on time. I definitely recommend Fulcrum home loans for your home purchase."
-SAC
"Had a wonderful experience with Fulcrum and highly recommend them. Knowledgeable, friendly, and always getting information over right away. Nothing was ever delayed. The whole team helped make the experience great!"
-Kerri
HAVE A MORTGAGE QUESTION?
WE'VE GOT THE ANSWERS YOUR NEED
How do I qualify for a loan?
How do I qualify for a loan?
Qualifying for a loan depends on several factors including your credit score, income, employment history, and debt-to-income ratio. We evaluate these factors to determine your eligibility and the best loan options for you.
How can I improve my chances of getting approved for a loan?
How can I improve my chances of getting approved for a loan?
Answer: Improving your credit score, reducing existing debts, and ensuring a stable income can enhance your loan approval chances. We can provide personalized advice based on your financial situation. The best way to set yourself up for success is to get pre-approved early so we can look at your situation and give you a plan custom fit to your needs.
Do I need 20% down to buy a home?
Do I need 20% down to buy a home?
Answer: No, you do not need 20% down to buy a home. There are loan programs available that allow for lower down payments, even as little as 3% down for qualified buyers. When you put less than 20% down you will have what is called PMI (private mortgage insurance). PMI is an amazing tool for homebuyers and is not something to be afraid of. We can help you explore these options based on your financial situation.
Can I get a loan if I have low credit?
Can I get a loan if I have low credit?
Answer: Yes, it's possible to get a loan with low credit, though the options and interest rates may vary compared to those with higher credit scores. We offer a range of products that cater to different credit profiles and can provide guidance on how to improve your credit to qualify for better terms.
What is PMI, and is it bad?
What is PMI, and is it bad?
Answer: PMI, or Private Mortgage Insurance, is a type of insurance that lenders require from borrowers who put down less than 20% on a home purchase. It protects the lender in case of default. PMI is not a bad thing; in fact, it is a very powerful homebuying tool. With decent credit PMI could be very cheap and allows buyers who cannot afford a 20% down payment to still purchase a home.
Didn't find your answer? Reach out to us, we're happy to help.
