Collier Global Inc. is led by Ozwa Collier NMLS# 1173743, a distinguished professional with 15 years of experience in the real estate and insurance industries. Ozwa combines deep industry knowledge with unwavering moral integrity, guiding clients through the intricacies of home financing, real estate investments, and personalized insurance coverage plans. Collier Global Inc. is committed to providing transparent and fair services to its clients.
A conventional loan is a mortgage that’s available through and backed by a private sector lender. Government-insured loans, by comparison, are backed or guaranteed by a federal agency.
FHA loans have a low minimum credit score and down payment requirement, which makes them especially popular with first-time homebuyers. You can get an FHA loan with a credit score as low as 580 if you have 3.5 percent of the home’s purchase price to put down, or as low as 500 with 10 percent down. These flexible underwriting standards are designed to help more borrowers become homeowners.
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and issued by a private lender1. It is a no-down-payment home loan available for veterans of the United States military VA loans offer borrowers a no-down-payment option when taking on a mortgage, and the loans are guaranteed by the U.S. government through the Department of Veterans Affairs
DSCR loans are for investors in residential real estate rentals. They are a great option for anywhere from first-time investors to experienced investors with a large existing portfolio.
Investors can use DSCR loans to purchase additional income-generating properties, which makes this an ideal loan type for those looking to tap into additional revenue stream
Hard money loans have terms based mainly on the value of the property being used as collateral, not on the creditworthiness of the borrower. Since traditional lenders, such as banks, do not make hard money loans, hard money lenders are often private individuals or companies that see value in this type of potentially risky venture.
The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. There are several benefits of a USDA loan, including flexible credit underwriting requirements and no down payment required.
A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help underwater and near-underwater homeowners refinance their mortgages.
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.
An FHA 203K loan is a loan backed by the federal government and given to buyers who want to renovate a home. An FHA 203K loan allows the borrower to finance the home, plus provides financing to do the necessary renovations to the home.
A home equity line of credit (HELOC) is a loan that is backed by your house or other property and lets a borrower draw money as they need it, pay interest only on what they borrow and repay the balance as they can. Home equity loans are similar to HELOCs but require homeowners to take all of their funds at once and repay the balance with fixed monthly payments.
A cash-out refinance is a mortgage refinancing option that lets you convert home equity into cash. With a cash-out refinance, you take out a larger mortgage loan, use the proceeds to pay off your existing mortgage and receive the remaining funds as a lump sum
Browse our extensive collection of properties and find your dream home today. Our database is updated in real-time, so you can be sure you're seeing the latest listings.
Use our mortgage calculator to estimate your monthly payments and see how much you can afford. It's easy to use and can help you make informed decisions.
Our team of experienced agents are here to help you every step of the way. Whether you're a first-time homebuyer or an experienced investor, we have the expertise to help you achieve your goals.
Refinancing a home can significantly lower your monthly mortgage payments, freeing up cash for other expenses or investments. It offers the opportunity to secure a lower interest rate, reducing the overall cost of your loan. Additionally, refinancing can help consolidate debt or tap into home equity for major purchases. This financial flexibility can enhance your budget and contribute to long-term financial stability.
We make selling your home easy. Our team will help you price your home, market it to potential buyers, and negotiate the best deal. Let us help you sell your home today.
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