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What is the right mortgage for me?


Whether you’re a first time homebuyer or looking to purchase your next home, Bright Financial  Services will work with you every step of the way to help you find the right home mortgage that meets your specific financial goals.

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Found your dream home? Here are some great reasons to work with Bright Financial Services:

  • Low, everyday rates
  • Conventional, FHA, VA, Jumbo and flex-term options available
  • Full Service 
  • Connect with our REALTORS®  
  • Close On-Time
  • Home appointments available by request
  • Accessibility to your Agent any time  

Mortage types

Conventional -Rate Mortgages (ARMs)

Worth Considering If You…

Conventional -Rate Mortgages (ARMs)

A low rate that never changes..

Key Benefits

Worth Considering If You…

Conventional -Rate Mortgages (ARMs)

  • Best rates for qualified borrowers
  • One rate for the life of your loan
  • No mortgage insurance

Worth Considering If You…

Worth Considering If You…

Worth Considering If You…

  • Plan to stay in your home for a longer period of time
  • Have built a credit history
  • Already have the funds for a down payment of 5% or more

Adjustable-Rate Mortgages (ARMs)

Worth Considering If You…

Worth Considering If You…

Pay the lowest rate initially and then transition to an annually adjusting rate.

Key Benefits

Worth Considering If You…

Worth Considering If You…

  • The lowest short-term rates
  • Keeps your monthly payments low for the initial period
  • Select an initial rate period of 3-10 years based on your plans for the home

Worth Considering If You…

Worth Considering If You…

Worth Considering If You…

  • Plan on moving or selling your home in a few years
  • Have built a credit history
  • Already have the funds for a down payment of 5% or more

Jumbo Mortgages

Worth Considering If You…

Key Benefits

Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.

Key Benefits

Worth Considering If You…

Key Benefits

  • Loan amounts up to $2 million
  • Eliminates the need for secondary financing
  • Allows buyers to finance more expensive properties in counties with lower conforming loan limits
  • No prepayment penalties (even on ARMs)

Worth Considering If You…

Worth Considering If You…

Worth Considering If You…

 

  • Plan to put 20% down
  • Have good credit
  • Possess the required reserve funds
  • Want to avoid multiple mortgages

FHA Mortgages

Worth Considering If You…

Worth Considering If You…

Government-backed loans with more flexible lending guidelines.

Key Benefits

Worth Considering If You…

Worth Considering If You…

  • Low down payments
  • Flexible qualification guidelines
  • Fixed-rate and ARM options are available

Worth Considering If You…

Worth Considering If You…

Worth Considering If You…

  • Are an active military member or veteran
  • Are the surviving spouse of a service member who has not remarried

We love our customers, so feel free to schedule an appointment.

Bright Financial Services

hello@brightfservices.com