Home Loans in Clermont, FL

Home Loans in Clermont, FL

At Ace Lending Group in Clermont, FL, we have a team of experienced loan officers that are here to help you understand what you need to get a home loan. Our loan officers are up to date on the latest practices and can help you navigate the current home buying conditions. If you would like to learn more about home loans, call (407) 902-2262 today.

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Home Loans in Clermont, FL

  • Do I Qualify?
    Do I Qualify?

    There are many factors you need to consider when seeing if you qualify for a home loan. Your household income is the first thing lenders will look at. Lenders want to be sure you earn enough to cover your mortgage payments and additional home bills. Lenders like to see that you are consistent with your income.

    The property type you are looking at can affect your ability to get a loan. It is easier to get a loan for a primary residence than most property types. A primary residence is a home you will live in for most of the year. Primary residences pose fewer risks to lenders and specific types of some government-backed loans are only available for primary residences.

    Your credit score is a crucial factor in determining home loan availability and rates. Lenders also use your credit score to determine if you consistently pay your bills. You will need to have a FICO Score of at least 620 to qualify for most types of home loans. An FHA Loan is ideal if you have a credit score lower than 620. A higher credit score will give you more favorable loan options and lower interest rates.

    Debt-To-Income Ratio is another area lenders look at when determining what type of home loans you qualify for. Mortgage lenders want to know you can take care of your mortgage payment and still pay your bills. Your Debt-To-Income ratio informs lenders how much of your gross income goes to required monthly bills.

    • Complete our simple mortgage pre−approval letter request
    • Receive options based on your unique criteria and scenario
    • Compare mortgage interest rates and terms
    • Choose the offer that best fits your needs
  • Our Home Loan Options
    Our Home Loan Options

    If you are looking to buy a new home in Clermont, Ace Lending Group is here to help. Our experienced loan officers will help identify your available home loan options with you to determine works best for you. If you plan on staying in your home for an extended period, a 30-year fixed-rate mortgage could be right for you. 15-year fixed-rate mortgages offer lower interest rates with higher monthly payments, and Adjustable-Rate Mortgages are great for home buyers who only plan to live in a home for a short duration.

    For more information on the home loans available, please visit any of the links below!

    Home Loans in Clermont, FL

    Home Loans in Clermont, FL

    Home Loans in Clermont, FL

    Home Loans in Clermont, FL

    Home Loans in Clermont, FL

    Home Loans in Clermont, FL

    Why Use Ace Lending Group near Clermont, FL?

    At Ace Lending Group, our experienced loan officers will work with you to help you identify all available options to help ensure you make the best decision regarding your mortgage loan needs. We offer various services and have the experience to provide accurate financial advice. We work hard to exceed your expectations and are available whenever you need us. If you have questions about our services, you can reach us anytime by phone, email, or fax!

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