Victorian Finance LLC - NMLS #50635 HQ

Wondering which VicFin loan product is right for you?🤷‍♂️

An FHA loan may work for you if you do not qualify for conventional loans. You will have a good chance at an FHA loan that can be used to purchase or refinance a home on a monthly mortgage payment.

Shoutout to the unsung heroes of the home buying process—our amazing appraisers!

Your expertise ensures every home is valued fairly, making dreams come true for homeowners and mortgage companies alike. We appreciate all that you do! 🙌

We are here to make your loan process smooth sailing!⛵️

Work with VicFin and experience our exceptional service firsthand.🤝

Real estate often serves as a stable long-term investment.

Over the past 30 years, the the Case-Shiller Home Price Index, which tracks changes in the value of residential real estate in the United States, has shown consistent appreciation in home values, even during economic downturns. For instance, from January 2000 to January 2022, the national index surged by approximately 198%, signifying that, on average, home values nearly tripled from their initial prices during this period.

This program offers up to 5% down payment assistance (DPA) for qualified FHA purchase loans, with the objective of making homeownership more accessible.

Contact your loan officer today to learn more about this program!💰

Welcome to the VicFin team!

We are thrilled to have Kayla on board to help you achieve your homeownership goals.✨

Exciting news! There has been an improvement on rates, which means it could be easier to qualify for your new home. If you're considering a move, now is the time. Let's talk!

Debt-to-Income (DTI) ratio is the percentage of a borrower’s income that is devoted to debt. 📊

Anything at or below 36% DTI is considered ideal, anything higher leaves room for improvement and could impede the loan process.

Top of the line technology, team-centered loan process, &
communication how YOU want it at VicFin.😁

At VicFin, you will receive your own comprehensive competitive financing solution to make that dream of home ownership a reality!💛

Download our Victorian Finance app on the App Store today for an even smoother loan process!📲

Wondering which VicFin loan product is right for you?

A Fixed Rate loan is a traditional, popular program fro refinancing or purchasing a new home.✨

Seeking peace of mind? Evaluate HOA guidelines with confidence as you embark on your homeownership journey.

Let's ensure every detail aligns with your vision of home sweet home. 🏡✨

A mortgage payment includes the principal (the amount you’re borrowing from your lender), interest, taxes (real estate or property), and insurance.💸

We will walk you through the home buying mortgage journey, simply and honestly to get you into your home sweet home. 🌤

We always prioritize a smooth process!💙🩵💛

Welcome to the Victorian Finance team, Kevin!

We are thrilled to have him on board to help you achieve your homeownership goals.✨

Borrow Local.🔑

Did you know the importance of an appraisal?📃

Answer below!👇

C! Your credit score is typically the factor that affects your mortgage interest rate the most. Lenders use your credit score to assess your creditworthiness and determine the level of risk associated with lending to you. A higher credit score usually results in a lower interest rate, while a lower credit score may lead to a higher interest rate or difficulty in securing a loan.

Coming up with down payment cash may not be easy for everyone. Our DPA Forgiveness Program offers up to 5% down payment assistance for qualified FHA and USDA purchase loans, making homeownership more accessible. 💸

Contact your loan officer today to learn more!

Ask your loan officer for more information today!

Answer below!👇

B! Private Mortgage Insurance (PMI) is a type of insurance that lenders typically require borrowers to purchase if their down payment is less than 20% of the home's value. The primary purpose of PMI is to protect the lender in case the borrower defaults on the loan. If the borrower defaults and the property goes into foreclosure, PMI helps compensate the lender for the remaining balance on the mortgage loan after the foreclosure sale of the property. So, PMI primarily serves to mitigate the risk to the lender, rather than directly benefiting the borrower.

Thank you, Adam!

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We will walk you through the home buying mortgage journey, simply and honestly to get you into your home sweet home.🏡

Underwriting is a crucial part of the lending process!📃