Buying a new home? Let's get you the loan you deserve.™
Whether it is your first home or your forever home, Hermiz Lending is the team you can trust to match your unique needs to the right loan.
How do I get started?
How much can I afford?
Want to know how much house you can comfortably afford? Our calculator can help you determine your monthly mortgage payment.
I am ready to apply.
Already found the home you want and ready to apply now? Congratulations! You can apply entirely online, and we will guide you through each step.
Find the loan you deserve.
The team at Hermiz Lending can help guide you to the right loan to meet your unique needs.
Federal Housing Administration (FHA) loan
- This is the perfect option for borrowers with limited cash for a down payment, those with FICO scores too low for conventional financing, and for first-time home buyers.
- Can qualify for up to 96.5% financing.
- Offers both fixed rate and adjustable rate options.
- 100% of the down payment can come in the form of a gift from a family member.
Fixed rate loan
- Secure a predictable monthly payment.
- Offers protection from rising mortgage rates.
Adjustable rate mortgage (ARM)
- Ideal in lower interest rate environments.
- Offers lower monthly payments in the early years of the loan.
- Interest rates remain fixed for a designated time period. Interest rates and payments change after that designated time period.
Veterans Administration (VA) loan
- Loan option available to qualifying veterans and surviving spouses.
- 100% financing available with zero down payment.
- Exempt from private mortgage insurance requirements.
- Secure larger loan amounts with competitive interest rates
- Maximum loan amount ranges from $1.5 million to $3 million.