Header Background

Purchase

Purchase

PurchaseWhen you purchase a house the ultimate goal is to turn it into a home.

At Regent Financial Group we strive to make that process as enjoyable as possible by combining the Power of Modern Lending with the one on one relationship you deserve when making an important purchase.

Rather than running people through the process and then moving on to the next client Regent’s loan officers take the time to get to know you as a person.

By understanding what’s important to you, and your family, we recommend loan options that fit your specific situation.

Straight forward, hard working, and dedicated to our clients we invite you to learn more about the “Regent Experience”.

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Jumbo Loans
Conventional Loans

Conventional LoansConventional loans are one of the many ways Regent Financial Group can help you purchase your next home.

Conventional loans come with a variety of options and are available to anyone who meets the lending criteria.

Conventional loans have several options to choose from. 10,15, 20,25, and 30 year Fixed Rate Mortgages are most beneficial for someone most likely won't be moving for 5-7 years.

Conventional loans require a down payment on the loan. This down payment is calculated into your LTV (loan to value) calculation.

If a down payment isn't a fit for you please visit the FHA page.

Adjustable Rate Mortgages (ARM) are most beneficial to people who would like a low rate and low payment. Adjustable Rate Mortgages also work well for people who may be moving in 5-7 years.

Contact one of our loan officers today to discuss the features and benefits of a Conventional loan.

FHA Loans

FHA LoansFederal Housing Authority (FHA) loans have become increasingly more popular in recent years.

Many people choose an FHA loan because they do not want to incorporate a large down payment into their purchase.

(Conventional Loans are often 10-20% of purchase price)

FHA loans allow for a lower down payment requirement than conventional loans while at the same time provide for more flexible requirements.

These loans are ideal for first time home buyers and for people with less than "perfect" credit.

To fully understand the benefits of an FHA loan with your particular lending needs contact one of our loan officers today. Your Regent Financial loan officer will take the time to understand your needs and educate you on the lending process.

HUD Website

VA Loans

VA LoansAs a member of our Armed Forces you have served your country and provided a great service to our nation.

Regent Financial Group thanks you for your service and would like to "return the favor" for the Veterans seeking a VA loan.

To qualify for a VA (Veterans Administration) loan you must meet the following requirements:

 - Military service veterans
 - Retired/Active Duty

"Click Here" for a full list of VA Requirements from the Veterans Administration

USDA Loans

USDA LoansUSDA loans are specifically designed for rural properties.

Last of the 100% financing options, with certain restrictions*.

Going beyond Farms and Ranches these loans may be a viable option for anyone who is purchasing a home and/or property outside a major metropolitan area.

USDA loans allow a greater flexibility for the borrower with regard to the loan requirements and down payment amount.

Before you apply for a USDA loan it is important to make sure your property meets the guidelines to qualify for the loan. Our loan officers will help you step by step through the USDA loan process. Contact one of our loan officers today to learn more about USDA loans.

USDA Rural Development Website

*Refer to USDA guidelines. Income and property are qualifying factors.

Jumbo Loans

Jumbo LoansThe definition of a Jumbo Loan is a loan amount above the industry-standard definition of conventional conforming loan limits ($417,000). This standard is set by the two largest secondary market lenders, Fannie Mae and Freddie Mac.

At Regent Financial we understand that your average Jumbo Loan applicant isn't a first time home buyer. We apply the The Power of Modern Lending to provide our Jumbo loan clients with a unique experience.

Regent Financial is an all inclusive lender utilizing 100% in house operations. This process creates an extremely efficient environment that means we can process your loan and have it approved in a hurry. Unlike other companies who may take several weeks or even months to process and approve your loan, Regent has the power and the means to approve you loan in a matter of weeks*!

Contact one of our loan officers to see what Regent can do for you today.

*Assumes that client has provided all necessary documentation in good order promptly with application.

Regent Financial Portal
Choose a Loan Officer