Our Services
Direct Home Funding has access to hundreds of lenders. So we’re able to find the right mortgage for you. We strive to be flexible, open and helpful. We’ll be upfront and honest about the process. We don’t mind holding your hand, if you need it and we’ll work for you to get the best loan.
Contact us today to get started!
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Direct Home Funding
Partners with Oregon Trail Council (Boy Scouts of America)
Direct Home Funding is pleased to announce the 2008 Sponsor a Scout Program. Through this year Direct Home Funding and its employees are donating $500.00 to the Eugene & Springfield Boy Scouts and Cub Scouts for every transaction we provide to a Scouting family or friend of the Scouts.
Whether its financing a home purchase, refinancing a current mortgage, construction or commercial lending, your partnering with Direct Home Funding will help the Scouts in your local area.
For information regarding the home purchase or refinance process please contact us.
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Most traditional loans fall into one of two general categories:
fixed-rate and adjustable-rate mortgages.
Fixed-Rate Mortgage (FRM): In a fixed-rate mortgage, the payment stays the same for the life of the loan. That means the monthly payments are predictable and you’ll be protected from rising interest rates.
Adjustable-Rate Mortgage (ARM): With an adjustable-rate mortgage, the interest rate (and the payments) adjust periodically based on market conditions. The initial rate is lower and applies for a fixed period of time – say one to ten years – after which time the rate may adjust semiannually or annually, never moving above a predetermined cap.
Beyond the two basic loan types, the DHF team of mortgage experts can help you find the right FRM or ARM for your needs.
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Fully-Documented Loan
The standard loan in mortgage lending, fully documented loans are for those individuals who can fully document their income and assets. The DHF team can work with you to help you understand what’s required to qualify for this loan type – and often, to qualify for a lower interest rate.
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Low-Doc or No-Doc Loans
Due to the unique circumstances of being self-employed, owning your own business or lack of financial records, the DHF team can work with you to find a loan for which you need low or no documentation. Often more convenient, regardless of your document status, these loans may have a higher interest rate, but will still allow you to get into a loan… and into a home.
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80/20 Mortgage
As home prices climb, many borrowers are looking for 100% financing options. The 80/20 mortgage is often the answer. The borrower takes out two loans – one for the home purchase (80%) and one for the down payment (20%). Maybe you’re a young professional with a good job and decent credit, but little savings. This might be the perfect loan for you. If you need 100% financing, this is a great option and the DHF team can find the best loans for you.
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Mortgages for Self-Employed Borrowers
Angela Kinari has been self-employed for more than a decade and understands the “ins and outs” of helping customers qualify for mortgages based on self-employed income. A few hurdles exist to help you qualify for the best rates, but the DHF team will help you clear them and find a mortgage that works for you.
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VA Loans
Current and veteran service men and women are eligible for VA Loans - loans guaranteed by U.S. Dept. of Veterans Affairs. This benefit of service provides the borrower the ability to obtain loans on favorable terms – often with a down payment. The guaranty allows veterans and service persons to obtain home loans with favorable loan terms, usually without a down payment. The DHF team is honored to work with our military veterans, helping find the right mortgage for that perfect home.
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MyCommunity Mortgage™
A Fannie Mae mortgage product, DHF can help low- and moderate-income borrowers own their own home. The mortgage is designed to be flexible, requiring no minimum borrower contribution and up to a 40-year term. This unique mortgage allows us to consider extra flexibility on credit histories and boarder income.
In addition teachers, police, firefighters and healthcare workers may enjoy additional flexibility through Community Solutions™. And if the borrower or a family member has a disability, homeownership is still within reach with Community HomeChoice™.
DHF is an experience Fannie Mae lender, able to help find borrowers the right fit.
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Construction Loans
The DHF team recognizes the importance of being able to build your dream home from the ground-up. And a construction loan is just what you need for the process to go smoothly. Whether you need an initial loan to the get the process started, or a single-close loan that covers construction and the permanent home, we can help you every step of the way.
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Lot Loans
Maybe you’re not ready to build, but you’ve found the perfect location for that dream home. Many lenders will tell you it’s all or nothing – not DHF. We have access to hundreds and hundreds of lenders and can find the right mortgage so you can stake your claim with a lot purchase. And when you are ready to build, we can help with that, too.
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Second Home or Vacation Home
You’re finally ready to buy that second home, but navigating the financial ins and outs of this type of mortgage can be daunting. Do you have to tap the equity in your first home? or are there other options? The team at DHF loves to help second-home buyers realize their dream and stay on track financially.
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Investment Property
Looking for a rental, maybe a duplex or a small apartment complex? The team at DHF can help find the right loan for you. We’ll work with you to determine how much you can afford and how the financing can work to help you reach your goals.