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We can help you compare and decide which home loan is best for your family.

Take the guesswork out of the home loan process. Let our team of mortgage lending experts secure your American Dream. 

This loan program works well for short-term homes or if you would simply like lower payments.

Entrust Funding offers low-rate home loans that exceed conforming loan limits.

A USDA home loan requires no down payment for eligible homebuyers in rural and suburban areas. It is also known as the USDA Rural Development Guaranteed Housing Loan Program.

PURCHASE

 

When starting the home purchase process, whether you are a first-time home buyer or an experienced home owner, the course can be a very stressful one.

 

Deciding on the loan program, term, or interest rate can greatly affect your payments and your ability to qualify for a home loan.

 

Here at EnTrust Funding, we strive to provide the best financing options to our clients and maintain the goal to put you and your family first.

 

Give us a call today so we may help guide you through this process.

REVERSE MORTGAGE

 

A Reverse Mortgage or Home Equity Conversion Mortgage (HECM) can alleviate many stresses that our seniors face today. A reverse mortgage might not be for everyone, but if it fits your financial circumstances, it may be what you’re looking for.

 

Get Cash from Your Home Equity – Being on a fixed income in a rising cost of living market can create tremendous stress. A HECM loan may be able to provide seniors an additional consistent flow of income from the mortgage.

 

Eliminate Your Monthly Mortgage Payment – Borrowers will not need to make monthly payments on a HECM loan. However, it is still a requirement to pay HOA Dues, Property Taxes and Insurances.

 

No Limitations and Restrictions – Borrower who cash out on their home with a HECM loan have no limitation or restriction on what they can spend their proceeds on. Either a home improvement or vacation around the world, a HECM loan may be able to meet your goals.

JUMBO

 

A jumbo loan exceeds the normal limit amount set by Fannie Mae and Freddie Mac. This varies from county to county, and rates depend on the property location.

 

EnTrust Funding offers:

 

  • Fixed rate jumbo purchase or refinance

  • Adjustable rate jumbo purchase or refinance

  • Fast turnaround times

  • Competitive low rates

 

Fixed Rate Jumbo

You won’t have to deal with changes in interest rates. Fixed rate jumbo loans offer consistent payments every month.

Adjustable Rate Jumbo

Designed for those who anticipate significant property value appreciation in the near term, those who prefer much lower payments during the adjustable rate period, or those who expect rate declines in the future.

The payments will depend on your financial situation and the current market interest rates.

If you’d like to discuss in detail, please contact one of our loan officers.

FIXED-RATE

 

Our most popular loans, fixed rate mortgages offer you consistency when making your monthly mortgage payments. The mortgage interest rate will stay the same throughout the life of the loan. If you plan to stay in your home for many years and prefer stability in payments, this is the loan for you!

We have 10, 15, 20 and 30-year options.

Depending on how much you can afford to pay each month, 10, 15 and 20-year fixed rate loans are more desirable for some homebuyers. You have significant interest rate savings throughout the life of the loan.

30-year fixed rate loans are our most popular program. Although you pay more in interest throughout the life of the loan, you have significantly lower monthly payments than our shorter loan options.

 

The payments will depend on your financial situation and the current market interest rates.

Contact a loan officer to discuss your options!

ADJUSTABLE RATE

 
  • Would you like to pay a much lower mortgage than a fixed rate loan?

  • Do you plan to sell your home or refinance in the near future?

  • Do you need to use your mortgage savings for other debt obligations?

If you answered yes to any of the questions above, adjustable-rate mortgages (ARMs) may be the right option for you. ARMs have interest rates that change periodically based on an underlying index, which reflects the cost of borrowing. Typically, these loans are for homebuyers that plan to sell their home in several years or would simply like lower payments during the initial payment period.

 

EnTrust Funding has 3, 5, 7 and 10-year ARMs available. We do have Interest Rate Cap programs as well.

 

The payments will depend on your financial situation and the current market interest rates.

 

Please call one our licensed loan officers to discuss the best option for you!

 

USDA

This is a type of home loan available to rural and suburban homebuyers, which requires zero down payment. Similar to FHA and VA-backed loans, the USDA guarantees the mortgage issued by the lender. Keep in mind that little or no money down will require you to pay a mortgage insurance premium.

 

Many areas in the United States surprisingly have USDA loan programs. Key benefits of USDA loans are:

 

  • No down payment

  • Low competitive rates

  • Closing costs, legal fees and other prepaid fees included in the loan

  • 100% financing

  • Fixed rate terms to help keep payments consistent throughout the life of the loan

The payments will depend on your financial situation and the current market interest rates.

 

If you think you qualify, get in touch and we'll connect you with one of our loan officers!