Purchase FAQ

At Nosari Home Mortgage, we proudly offer a wide variety of mortgage options. Below are the loan programs we offer: 

• FHA Loans

• VA Loans

• USDA/Rural Development Loans

• Conventional Loans

Yes! Past credit problems do not mean that you cannot fulfill your dream of owning a home. Let a Nosari Home Mortgage, Inc. loan officer help you make a fresh start. 

A Pre-Approval letter comes from your lender. The letter states that Nosari Home Mortgage, Inc. agrees to provide a mortgage to you under certain conditions. Pre-Approval letters are generated after meeting with you, the buyer, and going through your income and other finances to determine the right payment amount for you. These meetings help you set a realistic price range for house hunting and the letters allow listing agents to know that you are a qualified buyer. 

Yes! Finding out your credit and finances ahead of time allows for the process to run smoother. 

To get a Pre-Approval letter, we will need to see your bank statements, W2s or 1099 forms, tax returns, and paycheck stubs. Once you bring this into Nosari Home Mortgage, Inc., we will pull your credit and determine what price range best fits your financial situation. 

At Nosari Home Mortgage, Inc., we stand behind our Pre-Approval letters. When you come in, we ask for income documents and tax documents, combined with your credit report, in order to create a solid, Pre-Approval that you and your Realtor are confident in. 

Nosari Home Mortgage, Inc. will guide you through the home buying process and explore each loan option to determine which loan program is the best fit for you and your family. 

Whether you're looking to buy your first home, your forever home, or a vacation home, the loan officers at Nosari Home Mortgage, Inc. will help find the best loan program for you. 

While other lenders and banks charge origination fees or discount points to lower your interest rate, Nosari Home Mortgage, Inc. offers the most loan options with the best rates, without any upfront fees for processing, origination, or junk fees. 

At Nosari Home Mortgage, Inc. we have loan options for everyone. There are options for 100% financing as well as options for 20% down. Whether you're a first-time homebuyer, a Veteran, or someone looking to retire, Nosari Home Mortgage, Inc. has the right loan program for you.