Since 2008 I have delivered customized and efficient home loan service. Check out my reviews. Our reviews show we have your best interest in mind. Every home purchase is a unique transaction, and every home buyer has unique needs and circumstances. We at SJD Mortgage Services will listen to you, research your needs and suggest innovative approaches that will help you best finance your home.
We look forward to putting our experience to work helping you navigate the home mortgage process.
We look forward to putting our experience to work helping you navigate the home mortgage process.
Services
About
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First an foremost, thank you for choosing SJD Mortgage Services for all of your home loan mortgage needs!
We are very excited and ready to help with your home mortgage needs.
Buying a home can be one of the most exciting times of your life, and the process of getting a mortgage loan should be fast and easy.
At SJD Mortgage Services, we work with you every step of the way to make sure you get the best possible mortgage, making your home buying experience a pleasant one.
Every home purchase is a unique transaction, and every home buyer has unique needs and circumstances.
We are very excited and ready to help with your home mortgage needs.
Buying a home can be one of the most exciting times of your life, and the process of getting a mortgage loan should be fast and easy.
At SJD Mortgage Services, we work with you every step of the way to make sure you get the best possible mortgage, making your home buying experience a pleasant one.
Every home purchase is a unique transaction, and every home buyer has unique needs and circumstances.
Loan Options
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There are many loan options and I work with each customer to determine their best fit.
With SJD Mortgage Services, I bring over a dozen years of home finance and purchase experience to every customer that I am honored to serve.
We are proud to now offer financing and refinancing home loan services to Wisconsin.
Click to learn about our Wisconsin services.
It's that simple.
We'll get back with you immediately.
No time wasted, no pressure, no hassle!
What does it take to be eligible to apply for an Minnesota FHA home loan?
With SJD Mortgage Services, I bring over a dozen years of home finance and purchase experience to every customer that I am honored to serve.
We are proud to now offer financing and refinancing home loan services to Wisconsin.
Click to learn about our Wisconsin services.
It's that simple.
We'll get back with you immediately.
No time wasted, no pressure, no hassle!
What does it take to be eligible to apply for an Minnesota FHA home loan?
FHA Loan
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What does it take to be eligible to apply for an Minnesota FHA home loan?
FHA requirements includes details about income, credit rating and other factors, but before a loan officer looks at any of that information, an applicant has to meet the basics.
According to the official site at HUD.gov, applicants must "have a valid social security number and have lawful residency in the United States and be of a legal age to sign on a mortgage in Minnesota."
Those basic FHA requirements apply to the applicant and any co-applicants listed on a loan application.
FHA requirements includes details about income, credit rating and other factors, but before a loan officer looks at any of that information, an applicant has to meet the basics.
According to the official site at HUD.gov, applicants must "have a valid social security number and have lawful residency in the United States and be of a legal age to sign on a mortgage in Minnesota."
Those basic FHA requirements apply to the applicant and any co-applicants listed on a loan application.
Conventional Loan
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What is a Conventional Home Loan?
A Conventional home loan is not guaranteed or insured by the federal government.
A conventional loan refers to a mortgage that follows the guidelines of government sponsored enterprises (GSEs) such as Fannie Mae or Freddie Mac.
Conventional home loans can be classified as conforming or non-conforming.
A conforming loan meets the parameters set forth by Fannie Mae or Freddie Mac.
A non-conforming loan is one which exceeds the maximum loan limits established by Fannie Mae and Freddie Mac.
A Conventional home loan is not guaranteed or insured by the federal government.
A conventional loan refers to a mortgage that follows the guidelines of government sponsored enterprises (GSEs) such as Fannie Mae or Freddie Mac.
Conventional home loans can be classified as conforming or non-conforming.
A conforming loan meets the parameters set forth by Fannie Mae or Freddie Mac.
A non-conforming loan is one which exceeds the maximum loan limits established by Fannie Mae and Freddie Mac.
VA Loan
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Eligibility You must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan.
The home must be for your own personal occupancy.
The eligibility requirements to obtain a COE are listed below for Service-members and Veterans, spouses, and other eligible beneficiaries.
To obtain a COE, you must have been discharged under conditions other than dishonorable and meet the service requirements in the chart below.
A qualified Veteran-transferee (buyer) agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the Veteran seller.
The home must be for your own personal occupancy.
The eligibility requirements to obtain a COE are listed below for Service-members and Veterans, spouses, and other eligible beneficiaries.
To obtain a COE, you must have been discharged under conditions other than dishonorable and meet the service requirements in the chart below.
A qualified Veteran-transferee (buyer) agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the Veteran seller.
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