Types of Home Loans & Refinancing Options

What Is the Right Home Loan for You?

As a seasoned home mortgage loan broker and originator in Tampa, Pineywoods Mortgage is dedicated to helping first-time homebuyers and homeowners find the right type of loan. Whether you are looking to purchase a new home or refinance your current home mortgage, our professional loan officers will help you budget for and choose the right loan program that will put you on the path to success. Make your money start working for you by contacting us today.

Conventional Home Loans

Conventional home loans are the most common type of home loan. A conventional loan is backed by private lenders and banking institutions rather than the government, and they usually require a credit score of at least 620 because they are not guaranteed by an outside entity. Terms vary in length — from 10, 15, 20, and 30 years — and the borrower should expect to put down around twenty percent. Contact us today to learn more.

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First-Time Homebuyer Loans

Buying your first home is a big deal, and you want to make sure this important investment pays off in the future. When you work with Pineywoods Mortgage, you can rest easy knowing that your money will work for you. We assist in managing your credit score appropriately in preparation before advising you on how to find the perfect home mortgage for your budget and homeowner goals. Learn more about first-time homebuyer programs today by contacting us.

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FHA Loans

Often easier to qualify for than a conventional loan, Federal Housing Administration (FHA) loans are designed to make purchasing a house more affordable because borrowers typically have the ability to put less money down. A minimum credit score of 580 and down payment of at least 3.5 percent is required for FHA loans, and they are typically more flexible when it comes to rates and terms. If you think you are interested in FHA loans, contact us today to learn more.

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VA Loans

For qualified U.S. veterans, active-duty military, the coast guard, reservists, and occasionally spouses of deceased or disabled servicemembers, Veteran Affairs (VA) loans are a great, affordable option. While there is fine print with some loan options, we are proud to offer our services for those have paid a high price to safeguard our country. If you believe you are qualified to get the benefits of a VA loan — which often includes little-to-no down payment and low rates — contact us today.

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Refinancing can be a powerful tool. It can help families and individuals get through and solve new financial challenges, prepare for future educational opportunities, make a new investment in a home or remodeling project, and many other events. If you are looking to reduce your monthly payments, consolidate debt, or simply realign your current loan with new interest rates, exploring refinancing options might be a good idea. Contact us today to learn more.

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Contact the Experts at Pineywoods Mortgage in Tampa

A home mortgage is important, and managing your investment properly and strategically can open new doors to financial freedom and potential opportunities in the future. That said, you deserve a committed, thoughtful, and smart team of experts to help guide these important decisions, and Pineywoods Mortgage is the perfect home loan broker for the job. Whether you are looking to buy a new home or explore better mortgage loans options, contact us today to learn how we can help.