At Total Home Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. We are with you every step of the way. You will save a lot of time if you determine what mortgage amount you can qualify for before you start looking at homes. As a rule, you don't want to spend more then 29 percent of your gross monthly income (that's before taxes are taken out of your paycheck). You'll need to consider current interest rates. The lower the rate, the higher the home price you'll be able to qualify for. Use our calculator to give you an idea of how much you can afford.
Numerous studies have made two things very clear about the future of agriculture as the climate continues to change: The effects are going to be bad, and disproportionately so for certain parts of the world that happen to be the poorest. In a globalized world economy, you might expect that trade with a country expected to see relatively small drops in yields, like the United States, could bail out a country like Malawi, which could lose more than 50 percent of ag productivity, according to the Intergovernmental Panel on Climate Change. “The key is the response within a country, in terms of what those farmers produce, rather than between countries,” Arnaud Costinot, a professor of economics at Massachusetts Institute of Technology and a co-author of the study, said in an interview with MIT’s press office.
Our team is committed to being the fast, creative, and reliable consultants that will help you close and fund commercial
loans while providing seamless customer support from our lenders to your clients.