Home Loans in Oakland, FL

Home Loans in Oakland, FL

Home Purchase Qualifier

At Ace Lending Group, we have served home buyers in Oakland, FL for years, providing insightful information regarding the housing market and helping future home buyers secure the loans they need. Our loan officers bring their experience and knowledge of the always changing home market to help you determine which loan options work best for you. If you have questions about home loans, and would like to speak with one of our loan officers, please call (407) 902-2262 today and we will be happy to help you.

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Home Loans in Oakland, FL

Do I Qualify?
Do I Qualify?

There are several factors to consider when determining if you qualify for a home loan. One of the first things a lender looks at is your household income. Lenders want to be sure you can cover your mortgage payment and other home related bills.

The type of property you are looking at can affect your ability to get a loan. One of the easiest properties to buy is a primary residence. A primary residence is a home you plan to live in for most of the year. Primary residences pose fewer risks to lenders and certain types of government-backed loans are available only for a primary residence.

Your credit score is a great way for a lender to determine if you are reliable by paying for your bills on time and do not take on too much debt. You will need to have a FICO Score of at least 620 to qualify for most types of loans. An FHA Loan is ideal if you have a credit score lower than 620.

Debt-To-Income Ratio is another determining factor with lenders. Mortgage lenders want to know that you have enough money coming in to pay for all of your bills. Your Debt-To-Income ratio informs lenders about how much of your 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 or build a home in Oakland, Ace Lending Group is here to help. Our experienced loan officers will cover all of your available home loan options to help you understand what works best for you. If you plan on staying in your home for years to come, a 30-year fixed-rate mortgage is an ideal option. 15-year fixed-rate mortgages offer lower interest rates, and Adjustable-Rate Mortgages are ideal for those who only plan to stay in their home for a few years.

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

Home Loans in Oakland, FL

Why Use Ace Lending Group near Oakland, 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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Home Loans in Oakland, FL