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We Provide Soft Credit Check
A soft credit check (or soft inquiry) is a review of your credit report that does not affect your credit score. It’s often done by lenders, employers, or individuals checking their own credit. Soft checks are used for purposes like pre-approvals for loans or credit cards, background checks, or monitoring your credit history. These inquiries are visible only to you, not to potential lenders.
Ron Moyal
Realtor - Mortgage Broker - Branch Manager - Preapprovals.com© - Spirit Real Estate Group
Mat Ishbia
CEO of United Wholesale Mortgage - Owner of the Phoenix Suns (NBA TEAM) - #65 FORBES 400 (2024)
Preapprovals.com© UWM MEMBERS TX1649
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Loan Programs
There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:
Conventional (Fannie Mae & Freddie Mac) Loans
- As Low as 3% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 620 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- Monthly Mortgage Insurance
- Not Required with 20% or More Down Payment
- Automatically Cancels at 78% LTV (Loan-to-Value)
- $726,200 Maximum Loan Amount
FHA (Federal Housing Administration) Loans
- 3.50% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 580 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
FHA 203k (Home Renovation) Loans
- 3.50% Down Payment
- Streamline 203k Loan
- Use for Cosmetic and Common Repairs up to $35,000
- Standard 203k Loan
- Use for Extensive Repairs Over $5,000
- 620 Minimum Credit Score
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
VA (Veterans Affairs) Loans
- Zero Down Payment – 100% Financing
- 580 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
- Financed into Loan Amount
- Will Vary Depending on Down Payment and Subsequent Use
- No Mortgage Insurance
- No Maximum Loan Amount
First-Time Homebuyer Loans
- Down Payment Requirements
- Conventional – 3% (Can be Gifted)
- FHA - 3.50% (Can be Gifted)
- VA - 0% (Zero Down Payment)
- USDA – 0% (Zero Down Payment)
- Down Payment Assistance
- Conventional – Up to 3% (Restrictions Apply)
- FHA – Up to 3.50% (Restrictions Apply)
- Credit Score Requirements
- Conventional – 620+
- FHA – 580+
- VA – 580+
- USDA – 640+
Investment Property Loans
- 20% Down Payment
- 620 Minimum Credit Score
- DSCR (Debt Service Coverage Mortgage)
- Qualify Based on Rental Income
Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.
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See If you qualify for a low down payment option
See how much you qualify for with our quick qualifier! Just enter your zip code to get started. We will tell you how much you qualify and send a pre-qualification letter on completion.
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Get The Right Loan For You!
Whether you are looking to refinance to save on your monthly payments with today's historic low rates, or looking to get pre-qualified to compete with cash offers, we can help!
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Fund Your Loan Today
With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!
VA Loan Program with Zero Down!
We are thankful for our veterans service and we would like to help get you into a new home with zero down!
Fill out this quick form and if you are active duty, veteran or spouse of a veteran and were honorably discharged we will do our best to help you get funded with the VA Loan Program.
In addition to zero down, the VA loan limits closing costs and requires no private mortgage insurance (PMI) or early payoff penalties.
Monthly Payment Mortgage Calculator*
Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
Mortgage Solutions with The Real Estate Center of Coppell, Texas
Welcome to Coppell.com, your trusted partner in all things real estate and mortgage in Coppell, Texas. Whether you're buying your first home, refinancing an existing loan, or exploring mortgage options, our expert team is here to guide you through every step of the process. We offer personalized services and competitive mortgage rates to help you achieve your homeownership goals with ease.
Why Choose Coppell.com for Your Mortgage Needs?
At Coppell.com, we provide a full range of mortgage services designed to make your home financing smooth and hassle-free. Here’s what sets us apart:
- Expert Guidance: Our mortgage specialists walk you through the loan process, ensuring you understand all your options and helping you make informed decisions.
- Competitive Rates: We provide access to some of the most competitive mortgage rates available, tailored to your financial profile.
- Wide Range of Loan Options: Whether you’re looking for a conventional loan, VA loan, or a jumbo mortgage, we have options to suit your needs.
- Quick Pre-Approvals: Get pre-approved quickly to enhance your buying power.
- Refinance Services: Take advantage of lower rates, improve your terms, or access cash with our refinancing solutions.
Our Mortgage Services
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Mortgage Pre-Approval: Start the Right Way Pre-approval is a crucial step in the home-buying process. At Coppell.com, we make this simple by:
- Assessing your financial health to determine your loan eligibility.
- Providing a pre-approval letter that strengthens your offers when bidding on a home.
- Offering personalized mortgage options based on your budget and long-term goals.
A pre-approval from Coppell.com gives you the confidence and credibility you need to make a successful home purchase.
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Loan Programs Tailored to Your Needs We offer a variety of loan options to fit your needs, whether you’re a first-time buyer or looking for a large luxury home:
- Conventional Loans: Ideal for those with good credit and stable income, offering competitive rates on primary homes, vacation properties, or investment properties.
- FHA Loans: Perfect for first-time homebuyers, these loans offer low down payments and flexible credit score requirements.
- VA Loans: Exclusively for veterans, active-duty military personnel, and eligible family members, offering no down payment and no private mortgage insurance (PMI).
- Jumbo Loans: Designed for high-value properties that exceed standard loan limits, offering competitive rates and flexible terms.
- Home Down Payment Assistance Loans (HDA): For buyers who may need help with down payments and closing costs.
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Refinancing Your Home Loan Refinancing can be a smart financial move, whether you're looking to lower your monthly payments, access your home’s equity, or shorten your loan term. Coppell.com offers several refinancing options:
- Rate and Term Refinancing: Secure a lower interest rate or change the terms of your loan to better fit your financial goals.
- Cash-Out Refinancing: Tap into your home’s equity for major expenses like home renovations or debt consolidation.
- Streamlined Refinancing: We handle the paperwork to make the refinancing process quick and easy.
The Coppell.com Mortgage Advantage
- Transparency: We believe in a clear and straightforward approach with no hidden fees or surprises.
- Efficiency: With fast pre-approvals and quick processing, you’ll spend less time waiting and more time finding your perfect home.
- Personalized Service: Our team works with you one-on-one to find mortgage solutions tailored to your needs.
- Expert Local Knowledge: We know Coppell and the surrounding areas inside and out, ensuring you get the best advice and solutions for your home financing.
Start Your Home Financing Journey Today
Let Coppell.com guide you through the mortgage process. Whether you’re a first-time homebuyer, looking to refinance, or upgrading to your dream home, we offer the expert services and competitive mortgage rates you need to succeed. Contact us today to get started and explore your mortgage options!