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Cheryl Carson
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Life is not one size fits all, so your mortgage shouldn’t be either. Your Mortgage Loan Originator will offer you a home financing solution tailored to meet your unique needs at a competitive rate, not just the latest trend in home financing.


Conventional Loans

Conventional Loans benefit customers with good, though not necessarily perfect, credit histories. But, if your down payment for a purchase, or home equity in the case of a refinance, is less than 20%, you will have to pay for private mortgage insurance (PMI).   Read More... 


FHA and VA Loans

Government Loans benefit customers seeking a mortgage with a lower down payment requirement or those who may need more flexible qualifying guidelines due to limited credit history.


FHA Mortgages have lower down payment requirements that may be easier to qualify for than a conventional loan. The loans are made by private lenders and insured by the FHA, with both an upfront and a monthly charge for this insurance. The FHA has caps (limits) on the mortgage amount based on the county where the home is located. Click here for more information on September 14, 2015, underwriting and eligibility changes.


FHA 203(k) Mortgages are available to help home buyers purchase a home in need of updating or improvements. The lender loans money to buy a home AND complete repairs in a single mortgage. This rehab loan offers fixed rates with down payments as low as 3.5%. The home must be your primary residence. The FHA 203(k) is also available for refinance transactions.


FHA Energy Efficient Mortgages (EEM) are available to assist home owners and home buyers with energy upgrades that are financed into their mortgage loan. The FHA EEM Program will add value to your home while reducing utility expenses without effecting qualification or having to provide additional down payment. This program is available for FHA Purchase and Refinance loans.


VA Mortgages are made by private lenders and guaranteed by the Department of Veterans Affairs (VA). VA loans are designed to help service people and veterans obtain financing at very reasonable rates and offer financing up to 100% of the home’s value with a maximum loan limit of $417,000. 


CLICK HERE for more information on Home Loans

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 09/28/2022. The listing information on this page last changed on 09/28/2022. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Stellar MLS (last updated Wed 09/28/2022 6:44:39 PM EST). Real estate listings held by brokerage firms other than Wagner Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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