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Motto Mortgage 321

Smarter Financing Starts Here

We lead with a client-first mindset. We empower Homebuyers and Investors with trusted lending solutions, competitive rates, and a seamless, transparent mortgage process. Our goal is simple: to make homeownership more accessible and rewarding.

Credit Review & Guidance

A credit strategy today creates a confident Buyer tomorrow.

Nurturing Leads to Close

We don't just collect leads, we develop them.

Marketing Support for Open Houses

Let’s make your marketing more productive.

Educating Clients & Agent Partners

Dynamic educational experiences to empower

Our Loan Programs

FHA (Forgivable Grant)

  • Down Payment Assistance (DPA) is in the form of a forgivable grant in the amount of either 2% or 3.5% of the purchase

  • Max DTI 49.9%

  • Refinance available after 6 months at a lower rate

  • Min FICO 620

FHA 100% Financing

FHA Rehab Loans

  • Min FICO of 580 (FHA)

  • Down payment is in the form of second mortgage

  • Allows down payment and or closing cost to be covered by the DPA (Down payment assistance)

  • 3.5% - min may be gifted

  • Property types: Approved Condos, 2-4 units, Manufactured, HUD REO

  • Primary Residence only

  • Min FICO 620

  • No min. repair amount

Conventional One +

  • The maximum loan amount is $350,000 (*2% Grant it can come from a gift)

  • Max LTV: 97% and min LTV: 95%

  • Min FICO is 620

  • Max of 50% DTI

Conventional Home Ready/Home Possible

  • DTI: 50%

  • Min FICO - 620

  • Total qualifying income must be equal to or less than the county income limit.​

  • Credit Max $3,500 Min $2,000

  • Reduced MI Pricing

VA Loans

  • 100% Financing available

  • Min FICO 550

  • Only the primary client's entitlement will be used.

  • No monthly mortgage insurance

  • No down payment required

  • Can be utilized more than once

USDA Loans

Other Loan Programs

  • Min FICO 550

  • Max DTI 41%

  • First-time homebuyers

  • No cash reserve requirements

  • Jumbo Loan

  • Self Employed Loan

  • Reverse Mortgage

  • Purchase Refinance

  • Fix and Flip Loan 

  • Construction to Perm Loan

  • Investor Friendly Loan

  • Hard Money Loan

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Click here to Get Pre-Approved !

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