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First-Time Home Buyer
Purchase, Cash-Out & Refinance
Conventional, Government, Non-QM options
Down payment as little as 3%
The Nations Fastest Growing
Mortgage Broker
Bank Statement Program
Tax Returns or Pay stubs Not required
Primary, Secondary, Investment Properties
Down payment as little as 10%
No Income Program
Investment Property Only
Loan Amount Up to $5,000,000
Down payment as little as 20%
Why Working with
Viva Mortgage
We educate you and help you prepare your finances and credit history many months ahead of the time when you decide to start looking for a house, and we don't mind giving consultations for free.
We have access to 40 different banks, which provides you a ton of options in choosing the best fitting program.
We are a your personal consultant - we hold your hand throughout this complex and lengthy process of obtaining mortgage financing.
We find you the best rate across 40 different banks.
You can contact us at any time of day and night after your business hours.
YOUR LOAN PROCESS
CONVERSATION
During this step, our loan officer will discuss your unique situation and will walk you through general requirements of a loan process
APPLICATION
This is where our loan officer will ask you to provide several pieces of information in order to officially submit your file and get the ball rolling.
PRE
QUALIFICATION
During this step, our loan officer will give you more detailed information about your future monthly payment, interest rate, down payment and closing costs
DOCUMENTS
At this step, loan officer will ask you to provide basic documentation about income and asset like paystubs and bank statements in order to back up the information that you indicated earlier
FIND A HOME
Now that you are equipped with the knowledge of how much of a house you can afford, you can reach out to your realtor and start looking for a house of your dream
FINAL APPROVAL
This is the last step of the process where your loan documentation is all checked off and validated. Within few days you sign final closing documents and get your keys to your dream house
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