Get the Right Loan for You
At Kolar Capital, we understand that different clients have different mortgage needs. Below, you'll find the mortgage services that we offer.
Get Flexible Terms With one of the Most Diverse Mortgage Types.
Conventional loans offer flexibility. Whether you want a low downpayment, you want to avoid paying mortgage insurance, or you have a specific payment timeframe in mind, there's a conventional loan well-suited for you. If you have the right financial history, a conventional loan can give you the best deal for your mortgage.
Most loan types are backed by a government agency (e.g. the Federal Housing Administration or the Department of Veteran Affairs). Conventional loans are backed by no one, meaning you'll have to pay mortgage insurance if you aren't able to put down at least 20%.
Get a Home Loan Designed for People With Lower Incomes or Credit Scores.
Lower income families may have trouble qualifying for a home, but that doesn't make it impossible. If you're struggling to save up for your downpayme nt or yo u haven't established more than two lines of credit, a Federal Housing Authority (FHA) loan may be a good option for you.
The FHA offers loans that require low downpayments. As well, you may be eligible even if you have a lower credit score. The exact requirements vary by state, but they're designed to help people who need more time to pay down their loan.
Service members and their families deserve special consideration when applying for a loan. If you've served in the military, you probably won't be expected to give a down payment. As well, you won't be required to pay monthly mortgage insurance. These loans offer such good deals because they're backed by the US Department of Veteran Affairs (VA).
At Kolar Capital , we're proud to say we work with veterans every step of the way during the loan application process. We'll guide you through requirements, documentation, and more.
Get a $0 Down Mortgage as a 'Thank You' for your Service.
Service members and their families deserve special consideration when applying for a loan. If you've served in the military, you probably won't be expected to give a down payment. As well, you won't be required to pay monthly mortgage insurance. These loans offer such good deals because they're backed by the US Department of Veteran Affairs (VA).
At Kolar Capital , we're proud to say we work with veterans every step of the way during the loan application process. We'll guide you through requirements, documentation, and more.
Get a Direct, Short-Term Loan and Avoid the Red Tape of Bank Loans.
Sometimes, you can't wait to get a loan. If you're competing with other buyers for a property, or you simply don't want to deal with all the red tape, you may be able to get a hard money loan in a matter of days. This is incredible, when compared to the weeks or months you usually have to wait for other loan types.
These loans can be so fast because they're provided by private investors. The lending terms are usually set by the value of the property you're buying, not your credit score. While you pay interest every month, the balloon payment means you only repay the principal at the end of your loan term.
EXPERT LOAN COUNSELING
At Kolar Capital , we help people buy their dream home. Let's help you buy yours.
KNOW YOUR OPTIONS
Don't trust bankers to tell you all your lending options. Work with someone who has your needs in mind.
At Kolar Capital, we understand that buying a property can change your life. That's why we're dedicated to ensuring you get the mortgage you need.
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