Mortgages
While the Rates may change, the service doesn't!
Categories of Residential Mortgages
- Conventional Mortgages include: Conforming loans (meet Fannie Mae/Freddie Mac limits), Non-conforming loans (jumbo loans above conforming limits), Fixed-rate mortgages (typically 15, 20, 30 years), and Adjustable-rate mortgages (ARM) (3/1, 5/1, 7/1, 10/1 ARM structures and Hybrid ARMs with fixed period then adjusts)
- Government-Backed Mortgages include: FHA loans (low down payment, more flexible credit), VA loans (for eligible veterans/military members; no down payment), USDA loans (rural housing program; zero down), and FHA 203(k) (rehab/renovation loans)
Then you have Non-Qualified Mortgages, Niche Mortgages, First Time Buyer Mortgages and more.
Categories of Commercial Real Estate Mortgages
- Traditional Bank Loans, SBA-Backed, Bridge Loans, Hard Money Loans, Multifamily Loans, Life Insurance Company Loans, Mezzanine Loans, Preferred Equity Financing, Construction Loans, Non-Recourse Loans and more.
Why Investors Trust Roo Mortgage LLC for Mortgage Guidance
Properties Listed
happy Clients
easy Search
Featured REO Properties for Sale
For Sale!
For Sale!
Recently Listed Exclusive REO Homes
$240,000 – $450,000
3
2
1350 Sqrt
Affordable Investment Opportunities
$240,000 – $450,000
For Sale!
4
4
1250 Sqrt
Move-In Ready Foreclosed Homes
$240,000 – $450,000
For Sale!
7
6
1450 Sqrt
Frequently Asked Questions
We connect clients with diverse financing solutions, like acquisition loans, refinancing options, and bridge financing for repositioning projects. We are also here for development loans for new construction, and SBA 504 programs for owner occupied commercial properties.
Lenders focus on the property’s ability to cover the debt and require a minimum Debt Service Coverage Ratio (DSCR) of 1.25x or higher. You must also provide a significant down payment and strong personal liquidity.
The closing process can take anywhere from 60 days to a year. The timeframe depends on how complicated the deal is. It also depends on the speed of legal and due diligence work.
Our extensive lender network and deep market knowledge can help you secure optimal terms for your investment. Our team has the best financial expertise.