Welcome to Loans By Vicky Porter, your trusted mortgage expert for all your home loan needs. Navigating the world of mortgages can be overwhelming, but with my expertise, you’re in capable hands.
Access everything you need for a seamless home loan application, ensuring simplicity every step of the way
When it comes to purchasing your dream home, the process can often feel overwhelming and complicated. However, our team has worked hard to simplify the process and make it as easy as possible for you. We understand that finding your perfect home is a big decision, and we want to support you every step of the way. With our streamlined process, you can feel confident that you’re making the right choice for you and your family
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment. Learn more >
It’s easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit. Learn more >
A VA loan is a type of mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA) and is available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain members of the military community, such as spouses of deceased veterans. VA loans are designed to help veterans and their families become homeowners with favorable terms and benefits. Learn more >
Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you. Learn more >
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA. Learn more >
A jumbo loan, also known as a jumbo mortgage, is a type of home loan that exceeds the limits set by the Federal Housing Finance Agency (FHFA) for conventional conforming loans. In the United States, the FHFA sets limits on the maximum loan amount that can be purchased or guaranteed by government-sponsored entities like Fannie Mae and Freddie Mac. These limits are intended to help stabilize the housing market and ensure that loans remain accessible to a broad range of borrowers. Learn more >
Many homeowners have found that a reverse mortgage loan is a great way for them to take advantage of the equity they have built up in their homes. A reverse mortgage loan is different than a traditional mortgage. With a traditional mortgage loan, you make monthly mortgage payments, but with a reverse mortgage loan the lender pays the monthly mortgage payments using some of your equity. You may also qualify for a one-time lump sum payment, a line of credit or a combination of a line of credit and one-time lump sum. You may also qualify for monthly installments in some cases. The money you receive is dependent on your age, the value of your home and the current interest rate. Learn more >
Commercial mortgage loans finance commercial real estate purchases or refinancing. This includes office buildings, retail spaces, industrial warehouses, apartments, hotels, and income-producing business properties.
We understand that time is of the essence when it comes to real estate. With our user-friendly app, you can easily get pre-approved for a mortgage loan in just a few simple steps. No more waiting in lines or dealing with stacks of paperwork. Our app streamlines the pre-approval process, allowing you to submit your information, check rates, run calculations, etc. all from the palm of your hand. Take control of your homebuying journey today.
Please let us know when is a convenient time for you to discuss mortgage loan options.
When you work with me, I'm willing to meet you where you're at, on whatever platform is most comfortable for you. Whether that's in person, through texting, Facebook Messenger, FaceTime or Zoom!
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