Helping You Home Loans and its affiliated social media pages are educational platforms, intended for informational purposes only. Helping You Home Loans is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This website is only for educational usage. All calculations should be verified independently. This website specifically is not an offer to lend and should not directly be used to make decisions on home offers, purchasing decisions, nor loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice.

Helping You Home Loans is not affiliated with the VA, FHA or any other government agency. This site has not been approved by any government agency.

Please note that a pre-qualification does not constitute a commitment or a loan approval, but is instead a preliminary assessment of your current credit worthiness. A pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that you have the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents from you, verified assets, submitted your file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The APR describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate. The APR allows a borrower to compare costs of credit because it factors in term, interest rate and fees associated with the loan. All Down Payment Assistance Programs have different requirements and contingencies; please consult with a Loan Originator to discuss your options. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Interest rates are subject to change daily and without notice. Make sure you understand the features associated with the loan program you choose, and that it meets your unique Financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice.

MLO licensing information: CA CA-DBO1415709, CO 100520264, DE # MLO-1415709, FL # LO110407, MD, TX, VA MLO-51970VA. NFM, Inc. d/b/a NFM Lending. NFM, Inc is licensed by: CA # 6039416 (dba NFM Consultants, Inc.), CO # 2893, DE # 3879, FL # MLD174 and MLD795, MD # 5330, TX # NMLS2893, Virginia Mortgage Lender and Broker, Licensed by the Virginia State Corporation Commission #MC-2357. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023.

Helping You Home Loans

Mortgage Strategist and Senior Loan Originator

Alix Gardner

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