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Our Services

Home Purchasing Loans

Buying a home is one of the most significant investments you’ll ever make. Our purchasing loan options are designed to provide flexibility, competitive rates, and the support you need to secure your dream property.

Key Features:

  • Flexible loan terms tailored to your financial goals.

  • Quick pre-approval process to help you make competitive offers.

  • Expert guidance through the entire home-buying process.

keys to a house showing our clients bought it
screen showing someone looking at refinancing

Refinancing Options

Refinancing can help you lower your monthly payments, secure a better interest rate, or access the equity in your home. We simplify the refinancing process so you can save money and achieve your financial goals.

Key Features:

  • Access to competitive rates that reduce overall loan costs.

  • Streamlined refinancing process for quick approvals.

  • Options to cash out equity for home improvements or other needs

Compare Loans

Choosing the right mortgage can be overwhelming with so many options available. Our team helps you compare loan products, explaining the pros and cons of each to ensure you make an informed decision.

Key Features:

  • Detailed loan comparisons tailored to your unique situation.

  • Expert advice to align loan selection with long-term financial goals.

  • Transparent explanations of costs, terms, and benefits for each loan type.

loan application form
Small house outline and an FHA sign

FHA Loans

Federal Housing Administration (FHA) loans are a great option for first-time buyers or those with limited down payment funds. These government-backed loans offer flexibility and lower credit requirements.

Key Features:

  • Low down payment options, starting as low as 3.5%.

  • More lenient credit score requirements than conventional loans.

  • Competitive interest rates for budget-friendly monthly payments.

VA Loans

VA loans are exclusive to eligible veterans, active-duty service members, and their families. These loans offer incredible benefits, including no down payment and favorable terms.

Key Features:

  • No down payment required for qualified borrowers.

  • No private mortgage insurance (PMI), saving you money.

  • Low, competitive interest rates for affordable homeownership.

a mother and child holding a miniture house
fixed rate mortgage sticker

Fixed-Rate Mortgages

Fixed-rate mortgages provide consistent monthly payments and long-term stability, making them ideal for buyers who plan to stay in their homes for many years.

Key Features:

  • Predictable monthly payments, regardless of market changes.

  • Variety of term lengths (e.g., 15, 20, or 30 years) to suit your needs.

  • Protection against future interest rate increases.

Adjustable-Rate Mortgages (ARMs)

Adjustable-rate mortgages start with a lower interest rate, which adjusts periodically after a fixed initial period. This option is ideal for buyers looking for short-term savings.

Key Features:

  • Initial lower interest rates for reduced early payments.

  • Ideal for short-term homeowners or investors.

  • Potential for savings if interest rates decrease over time.

adjustable rate mortgage form (arm)

The Mortgage Process: Step by Step

1. Pre-Approval:

We review your financial details and provide a pre-approval letter, so you’re ready to make competitive offers.

2. Loan Options:

Our team explains various mortgage products and helps you choose the best fit for your goals.

3. Application Submission:

We submit your loan application, ensuring all necessary documentation is in place.

4. Underwriting: Lenders review your application and verify details like income, assets, and creditworthiness.

5. Closing:

Once approved, we guide you through the final paperwork and closing process, making homeownership official.

FAQs: Common Questions About Mortgages

What credit score do I need to qualify for a loan?

While requirements vary, many programs, like FHA loans, accept scores as low as 580. Higher scores, however, often secure better terms.

How much should I save for a down payment?

Conventional loans typically require 5-20%, but programs like FHA and VA loans offer low or no down payment options.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate of what you can borrow, while pre-approval is a more formal process involving credit checks and documentation.

Brian Sager Mortgage

Your trusted partner in home financing, serving Miami, Fort Lauderdale, Aventura, Bal Harbour, Hollywood, and beyond. Let us guide you through the mortgage process with expertise, transparency, and personalized service.

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