Check out how TILA offers more innovative home loan programs for whatever your specialty needs may be. We will present to you different loan options, discuss the options & possibilities, & answer your questions.
TILA Mortgage is proud of our A+ Rating at the Better Business BureauServing the Pacific NW for 20 Years
WHICH PROGRAM IS FOR YOU ?Whether you are ready to purchase, or refinance, the loan advisorsat TILA Mortgage will help you choose a mortgage loan that matchesyour own personal financial circumstances. TILA can help you whether it’s any one of the following loan types.• Fixed Rate• Adjustable Rate• Jumbo Loan • Interest Only loan • FHA - Government Loan• VA - Loans for Veterans • USDA - For Rural properties • Innovative Loan Programs Call today to see how we can help - or simply click on the"NO-OBLIGATION CONSULTATION" button in the upper right & wewill guide you through the entire mortgage loan process.
GET PRE-QUALIFIED F0R A LOAN Whether you’re buying your first home, or are an experienced home buyer - being prepared & knowing your purchasing power is critical to a smooth and easy experience.TILA Mortgage has the knowledge, professionalism &systems to help you successfully buy your new home. TILA Loan Advisors will also show you mortgage loan options that works within your budget. • TILA makes the buying process easy and understandable. • A professional licensed TILA Loan Advisor will take the time to walk you through the entire homebuying process• TILA can offer you outstanding service From Seattle to Tacoma, from Bellevue to Spokane we serve all of Washington State, (and others) CALL 206-766-8888 now for a no-obligation consultation or get a rate quote by phoneor email.
FIXED RATE HOME LOANS Fixed rate mortgages have a FIXED (unchanged) interest ratefor the life of the entire loan term.These straight forward loans offer you stability as your interestrate will never change with the market, giving you a nice predictable payment amount for the life of your loan. These loans are ideal forthe buyers who want a set payment for more financial stability.• Enjoy a historically low interest rate environment• Get a predictable payment amount for the life of your loan• Choose loan terms between 10-15-20-25-30 years. • FIXED RATES LOWER YOUR FINANCIAL RISK. TILA Mortgage serves home buyers all throughout WASHINGTON STATE & IS READY TO HELP YOU. CALL OR EMAIL ONE OF OUR LICENSED LOAN OFFICERS NOW FOR A FREE RATE OUOTE, AND TO SEE WHAT LOAN OPTION IS RIGHT FOR YOU!
ADJUSTABLE RATE HOME LOANS Adjustable rate mortgages typically offer you lower interest rate and payment options compared to a fixed rate loan. They are idealfor buyers who are planning to move or refinance within the intialfixed portion of the ARM Loan.There are many variables that make an ARM easy to customize foryour home buying goals.Our home loan experts will help you quickly understand your optionsand find a program that meets your needs.• Typically have lower starting payments compared to a fixed • Allow you to possibly qualify for a larger loan.• Save money if you’re planning on moving or refinancing within the initial loan period. Call or email today and speak with one of our LICENSED LOAN ADVISORS at TILA Mortgage. Serving all of the State of Washington, We can help you understand your loan options!
JUMBO HOME LOANS JUMBO Loans are high-value mortgages designed to finance luxury properties, as well as homes in highly competitive local real estate markets.The value of traditional conforming mortgages is capped by Government regulation.JUMBO Loans offer buyers an opportunity to finance propertiesthat exceed those restricted loan limits. TILA Mortgage offers JUMBO loan options UP TO THREE MILLION DOLLARS! • Buy a home that doesn’t compromise your needs• Consider either a Fixed rate or Adjustable rate loan program • Purchase a Primary Residence, a Second Home or even an investment property. • Available options include loans without mortgage insurance! Contact a lending expert at TILA Mortgage today to learn more aboutour JUMBO Loans and learn how we can help you get into the Luxury home of your dreams!
FHA HOME LOANS FHA Loans are ideal for people who cannot afford a traditional down payment. Backed by the Federal Housing Administration, these loans aredesigned to help lower to moderate income individuals who are not able to qualify for a conventional loan to achieve the american dream of home ownershipHere are some of the benefits to an FHA loan: • Put just 3.5% down as your down payment. • Qualify with “Less-than-perfect” credit.• Get approved with a lower income than with a traditional loan• Achieve your dreams of home ownershipOur home loan experts will help you figure out if an FHA Loan is anoption for you. Call or email now to learn more and get started on your DREAM OF HOME OWNERSHIP!
VA HOME LOANS If you’re a Military service member or a Veteran, then the VA loan program was created just for you. Guaranteed by the US Department of Veteran Affairs. VA loans offer 100% financing with no money down on aPurchase or Refinance loan with no mortgage insurance expense.If you’re looking to purchase a new home or want to save money byrefinancing an existing loan, you won’t find a better loan type anywhere for a Veteran.• Put NO MONEY DOWN.• Enjoy a low interest rate. • Pay no mortgage insurance. • Use this loan to purchase or refinance. • Get approved with easier qualification guidelines. At TILA Mortgage, we believe our military members deserve greatservice & knowledgable advisors. We are committed to helping you take maximum advantageof your eligibility for a VA laon.SO… Call us today to see how we can help you let us THANK YOU PERSONALLYFORYOURSERVICE!
USDA HOME LOANS The USDA Rural Development Home Loan program offers you the opportunity to buy a home with NO MONEY DOWN! This unique government program is designed for people purchasing outside of the major metropolitan markets. . These loans offer low mortgage insurance premiums and low down payment options. USDA loans are great for individual with Good credit, but lower than average incomes to afford a home.• Get financing with NO DOWN PAYMENT REQUIRED • Qualify with a lower income than traditional loans. • Enjoy lower rates on mortgage insurance than other loans • Buy the home of your dreams. Our lending experts at TILA Mortgage will help you determine whichlocal areas qualify for a USDA home loan. Call or email us today to speak with someone to learn more and start the home loan process. Your new home is waiting for you!
SecureLock*Lock your rate and secure peace of mind. With our SecureLock programs, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. You can also take advantage of a float down option if rates go down prior to signing your loan documents. If rates go up, you are secure!• Lock and Buy: Lock in your rate while you shop for a home• Lock and List: Lock in your rate while you sell your home• Lock and Build: Lock in your rate while your home is under construction*To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Contact us today for full details.
ASSET Inclusion ProgramThis mortgage program is for borrowers who have high assets, but an unsteady monthly income. With the Asset Inclusion Loan program, borrowers can factor in the assets they have remaining — after their down payment and closing costs — as sources of qualifying income.• Eligible for Primary, Secondary, and Investment properties• Loan amounts up to $1.5 million• Up to 80% loan-to-value• 700 minimum FICO score required• Not available in Hawaii and Nevada
STaR Loan ProgramA mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program, which makes the process of obtaining a mortgage a little bit easier.•Save up to $500 in reduced Lender Fees for qualified Teachers, First Responders, and Correctional Officers•Can be combined with Down Payment Assistance which permits gift funds to be used for 100% of the home purchase down payment•Take advantage of lender paid mortgage insurance options to reduce your monthly mortgage expense•Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn•PLEASE Call Loan Advisor for Borrower qualifications
DREAM Home RennovationIf you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Save time and money by financing the purchase with the cost of the repairs included in your mortgage.•Create your dream home instead of buying someone else’s•The loan amount is based on future assessed value of home•Take advantage of properties in great locations that need renovation•640 minimum FICO required•110% loan to value
KEYS on TIME - GUARANTEEWelcome to the 20-day Close with your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market where we will work with you to get full underwriting loan approval to ensure your loan will close lightning fast, even if you have not yet identified the property. We are 100% committed to owning what it takes to get your loan funded on or before the close of escrow. If your loan does not close on time, we will credit you $895 in closing costs.*You can combine Keys on Time with our SecureLock program to have the security of a locked in interest rate even prior to making a purchase offer. Ask you Loan Advisor for the full details!• Over 90% of owner-occupied homes qualify• First-time and move-up homebuyers are eligible• Single-family, condos, investment, second-homes
INVESTOR ADVANTAGEIncome Property Financing Just Got EasierIf you are looking to purchase your next investment property, our Investor Advantage loan programs will get the deal done.Investor Advantage gives you the most purchasing power in the market today for investment properties. There are two loan programs to choose from to fit your needs:Investor Advantage• Minimum FICO – 640• Max LTV- 80%• Max Loan Amount- $2M• SFR & 1-4 unit properties Condo• Income documentation required
Investor Advantage Pro• Minimum FICO – 640• Max LTV- 75%• Max Loan Amount- $2M• SFR & 1-4 unit properties Condo• No income documentation required. Appraisal and asset documentation required
HOME POSSIBLE Freddie Mac Home Possible AdvantageSM If you are looking to purchase a home with a low down payment and flexible sources of funds, our Freddie Mac Home Possible AdvantageSM offers the most flexibility for maximum financing:•Max loan amount up to $424,100 for single-family dwellings in most US counties and $636,150 for high-cost areas*•Up to 97 percent LTV financing (3 percent down)•Down payment assistance programs and/or affordable second mortgages available•Flexible sources of funds can be used to qualify•Low to moderate-income buyers•Lower mortgage insurance coverage requirements, which means lower payments* Each county limit is published on FHFA's website: www.fhfa.gov. Special statutory provisions establish different loan limit calculations for Alaska, Hawaii, Guam and the U.S. Virigin islands.
SELLERS EDGE ProgramA competitive advantage on the home you are listing. With our Seller’s Edge program, attract more buyers and sell your home faster by offering closing cost credits. Sell one home and buy another with secured financing and a competitive edge. Receive a gift card for discount off of closing costs for your next home purchase.•Combine with our SecureLock Program, so that you can lock the interest rate on your next home purchase even before a new property is identified or built*•Certain restrictions apply. No cash value. Closing cost credit may not be redeemed as cash back. Financing provided by American Pacific Mortgage Corporation.
HOME READY by Fannie MaeAs an alternative to the FHA program, Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. In addition, Home Ready may have reduced mortgage insurance options, including no upfront mortgage insurance fees and may be cancelable per servicer/Fannie Mae guidelines.Qualifications:•The mortgage is a fixed rate loan up to $424,100•Up to 97% LTV financing (3% down)•Eligible properties are single family-dwellings, PUD or condos as the owner’s primary residence•Gift funds or Community seconds are allowable for the down payment•Non-occupant co-borrower’s income can be used for qualifying•Single-family accessory unit or boarder income can be used in qualifying