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410-322-2006 

 

Southern Direct Home Loans offers a variety of loan programs to meet your needs. We work with the leading wholesale lenders in the industry to provide:

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $424,100 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.

 
Conventional Elite Priced Loans
Conventional Loans (including Home Possible and Home Ready)
FHA Loans
VA Loans
USDA financing

Conventional Elite Priced Loans

The best pricing on the market available to well-qualified borrowers. Borrowers need a 700 or greater credit score, 80% Loan to value, and a $200,000 or greater loan amount.    


Conventional Loans (including Home Possible and Home Ready)

Home Possible and Home Ready are conventional low down payment programs with reduced mortgage insurance and competitive rates. Call to discuss the details.  


FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.


VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership. 


USDA financing

Home buyers in search of an affordable, zero money down mortgage option may want to consider a USDA Loan. With a USDA Rural Housing Loan, eligible borrowers can take advantage of up to 100% financing for the purchase of a home in a qualified area. To be eligible for USDA financing, both borrowers and the property itself must meet certain criteria. Please call to get the details.




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