No PMI Loans:

We have a few different options to help our clients avoid paying Private Mortgage Insurance.  It is important to note that mortgage insurance is now tax deductible provided your adjusted gross income (AGI) is less than $100,000 when you file your household tax returns.  If that is not a good fit for your family, here are a few different options:

1. Lender Paid Mortgage Insurance: This program allows you to finance your mortgage insurance into your loan by paying a slightly higher interest rate.  This allows you greater tax benefits and often times, cheaper monthly payments.  Call us today to find out how much you can save.

2. VA Loans: If you are a veteran, active or retired, you may be eligible for a loan that does not require a monthly mortgage insurance premium.  We will need your Certificate of Eligibility (COE), DD214, or dates of service to find out how much you are eligible for with a VA loan.  We can help you with that over the phone today.

3. Rural Development (RD) Loans: This is a purchase program that does not require a down payment or monthly mortgage insurance premium.  Income limits and property restrictions do apply.  Give us a call for all of the details.


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