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Loan Program

Loan Programs

Fixed Rate Mortgages

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payment which never change during the loan’s lifetime.

Fixed rate mortgages are available in terms ranging from 10 to 30 years and can be paid off at any time without penalty. This type of mortgage is structured, or “amortized” so that it will be completely paid off by the end of the loan term. There are also “bi-weekly” mortgages, which shorten the loan by calling for half the monthly payment every two weeks. (Since there are 52 weeks in a year, you make 26 payments, or 13 “months” worth, every year.)

Adjustable Rate Mortgages (ARM)

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting. Read More..

Government Insured Loans

FHA

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to qualify for low mortgage rates with a minimal down payment.Read More..

VA

Veteran Affairs or VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. Read More..

Down Payment Assistance Programs

The money you put “down” or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why Unyque Financial offers several options for down payment and closing costs assistance. This type of assistance is often called a second or subordinate loan however some assistance can be in the form of a grant. Subordinate loans are “silent seconds”, meaning payments on this loan are deferred so you do not have to make a payment on this assistance until your home is sold, refinanced or paid in full. This helps to keep your monthly mortgage payment affordable.

Unyque Sapphire Grant

The Sapphire down payment assistance program is a California homebuyer grant for moderate income individuals and families who can qualify for a mortgage but need assistance with down payment and or closing costs.Read More..

CalHFA

The California Housing Finance Agency (CalHFA) CalPLUS Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance and/or closing costs.

Mortgage Credit Certificate Tax Credit Program (MCC)

A federal credit which can reduce potential federal income tax liability, creating additional net spendable income which borrowers may use toward their monthly mortgage payment. This MCC Tax Credit program may enable first-time homebuyers to convert a portion of their annual mortgage interest into a direct dollar for dollar tax credit on their U.S. individual income tax returns.

Reverse Mortgages

Reverse mortgages allow senior homeowners, age 62 or older, to convert a portion of their home equity into cash while still living in the home. Equity is the current cash value of a home minus the current loan balance.Read More..

What Clients Say About Us

Uf Testimonial1

I want to thank you so much for all of your help, your patience, calmness, joy in the midst of the storm, for your grace and so much more. I couldn't have gotten this house without you and I didn't want to forget to say THANK YOU for all you did to help me through the process. Only by the grace of God can one do your job and I know this is your calling because it was a joy working with you. You have been there for me through the entire process, in a moments notice, and I am so grateful. Yes, this is your job but I'm glad God put it in your heart to do it because it was meant for you to share your gift with others.

Martha R. 2015

2016-10-24T07:58:45+00:00

Martha R. 2015

I want to thank you so much for all of your help, your patience, calmness, joy in the midst of the storm, for your grace and so much more. I couldn’t have gotten this house without you and I didn’t want to forget to say THANK YOU for all you did to help me through … Continue reading Uf Testimonial1

Uf Testimonial2

Thank you not only for helping us with the loan but allowing me to feel peace when I spoke with you. Congratulations to you and all the people on your team that made it possible for us to get here. Gracias!

Jesse and Kathy G. 2016

2016-10-24T07:59:51+00:00

Jesse and Kathy G. 2016

Thank you not only for helping us with the loan but allowing me to feel peace when I spoke with you. Congratulations to you and all the people on your team that made it possible for us to get here. Gracias!

Uf Testimonial3

We made it to the finish line. It was stress free! I appreciate being able to work with a mortgage broker who returns calls, responds to emails and will give an update even when it isn’t good news. I highly respect your work ethic and look forward to working with you in the future.

Patrick S. Realtor, Metro Real Estate

2016-10-24T08:05:27+00:00

Patrick S. Realtor, Metro Real Estate

We made it to the finish line. It was stress free! I appreciate being able to work with a mortgage broker who returns calls, responds to emails and will give an update even when it isn’t good news. I highly respect your work ethic and look forward to working with you in the future.

Uf Testimonial4

Thank you so much for all your efforts! You are very thorough in explaining all of our loan options for purchasing our first investment property. We will always use you for home loans and refer all of our friends and family.

Aaron P. 2016

2016-10-24T08:06:42+00:00

Aaron P. 2016

Thank you so much for all your efforts! You are very thorough in explaining all of our loan options for purchasing our first investment property. We will always use you for home loans and refer all of our friends and family.