Streamline Refinance – No Doc
Refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation.
Let’s start the journey towards success and enhance revenue for your business. Take your company to the next level.
Let’s start the journey towards success and enhance revenue for your business. Take your company to the next level.
Refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation.
A cash-out refinance replaces your existing home loan with a newer loan.
Take equity out of your large property.
Refinancing your existing FHA loan with a FHA refinance.
Ideal for properties that are owner-occupied.
Unlocking Your Homes Equity A home equity loan program is a financial arrangement where homeowners borrow money against the equity in their property. Equity represents the portion of the home that the homeowner truly owns outright, calculated by the home’s value minus any outstanding mortgage balance. These programs typically provide
What is a reverse mortgage? A reverse mortgage is a financial product designed for homeowners who are at least 62 years old, allowing them to convert their home equity into cash. Unlike traditional mortgages where borrowers make monthly payments to the bank, a reverse mortgage enables borrowers to receive cash
Buyers must complete a HUD-approved homeownership education or counseling program.
Veteran Affairs loans offer several benefits to home buyers.
I want to purchase a condo.
Our projects are the most highly coveted residences in leading luxury markets.
Calculate your monthly payments
Calculate your monthly payments
Calculate your monthly payments
Quintessential Mortgage Group has been the ‘best in class’ for all your mortgage and home financing needs. With our 50+ years in the industry and ranked top 10 mortgage brokers in the country, our team brings award-winning experience to all our clients. Whether you are buying new homes, second homes, refinancing homes, or tapping into the equity of your current home, we are here to help you.
Taking pride in our exceptional customer service, we prioritize you. With our wide range of mortgage products, we are committed to ensuring you have the knowledge, individualized service, and hands-on support throughout your mortgage process. Quintessential Mortgage Group is here to provide you with the best mortgage financing experience.
The Smith Family – Somers, NY
Refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation.
A cash-out refinance replaces your existing home loan with a newer loan.
Take equity out of your large property.
Refinancing your existing FHA loan with a FHA refinance.
Follow the 28/36 rule
Try to keep housing costs under 28% of your gross income and total debt under 36%. It’s not a hard rule, but it’s a solid guide when deciding your price range.
Buying a home should be exciting, and getting preapproved is just about clearly telling your financial story. When your documents are ready upfront, everything moves faster with fewer surprises and stronger offers. Having your income, assets, and credit info organized gives lenders a clear picture and saves you a ton of time and stress. The more prepared you are, the more confident you’ll feel when it’s time to make an offer.
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
Real estate investing means buying property to earn income, either from rent, resale, or both.
Long-term rentals
Buy and rent on yearly leases for steady monthly income and long-term value.
Short-term rentals
Vacation rentals like Airbnb that can earn more during busy seasons but fluctuate.
Fix and flip
Buy, renovate, and sell for profit. Faster money, but higher risk and costs.
House hacking
Live in one unit of a multi-family property and rent the others to cover your mortgage.
Conventional loans
Good for long-term rentals with 15–25% down and fixed or adjustable rates.
DSCR loans
Based on how much rent the property makes, not your income.
Fix-and-flip loans
Short-term loans for buying and renovating properties quickly.
Bridge loans
Temporary loans to buy before selling another property.
