The Sarah Pichardo Team offers a full range of lending options for an array of financing requirements. From Fixed-Rate Mortgages to Adjustable-Rate Mortgages to Construction Loans, we can provide the right financing to meet your specific needs. We will help you navigate through the entire mortgage process, and ensure that you receive competitive rates, expert service, and fast response.

Here are some of the many types of loan options available to our clients:

Fixed – Rate Mortgages

Access a variety of fixed-rate programs, including traditional conforming loans, FHA loans, VA loans, and jumbo programs. A traditional fixed-rate mortgage provides you with the security of a steady payment for the life of your loan and is a great option for many homebuyers. While most homeowners looking for a fixed rate choose a 30 year fixed mortgage, we also offer shorter terms that can be a great option for borrowers that can afford a higher monthly payment and wish to pay off their loan in 20, 15, or even 10 years.

Adjustable – Rate Mortgages

An adjustable-rate mortgage (ARM) usually offers a lower initial interest rate that can increase after a pre-set period. The Sarah Pichardo Team offers ARM loans with initial fixed periods of three, five, seven, and ten years. These programs can be great for borrowers that are looking to stay in their property for less than the fixed period (three to ten years) or for experienced homeowners that understand the risks and benefits of an adjustable-rate mortgage. Our lending professionals can give you the information you need to make an informed decision about choosing a fixed or adjustable-rate mortgage.

Special Programs

The Sarah Pichardo Team offers many programs tailored to first-time homebuyers. Ask one of our specialists about our VHDA program or our low-down payment FHA and VA options. We also offer a special FHA 203k program that allows you to purchase and renovate your home with one loan. This is a great option when buying a home that requires some “TLC” since we allow the work to be completed after closing, not prior to settlement. That flexibility can give you an advantage when making an offer on a home since most loan programs require all work to be completed by the seller prior to closing.

Refinancing Options

If you love your home but not your loan, we can help you. Our mortgage specialists have options that can help you lower your rate and/or your payment and in some cases allow you to take equity out of your home for debt consolidation, expenses, etc. Give us a call to discuss your options for refinancing your existing mortgage.

Construction Lending

The Sarah Pichardo Team offers a variety of construction lending solutions, including financing for your new construction project, financing for the rehabilitation of your existing residence, and financing for the purchase and renovation of a home you want to improve and move into.

Borrowers wishing to build a custom home or renovate their existing house can obtain financing through our Construction Lending Program. This program will take you from lot/property acquisition through the completion of construction or renovation, after which we can offer you the permanent financing that best fits your needs.

Our standard construction loan provides 12 months of financing. Extensions may be available when needed. The size of the dwelling and the time of the year are two factors that will affect your construction period.

• Acquisition/Remodel Loan Program
  This is a great option if you are purchasing a home that needs "fixing up" or if you are planning a major renovation to your existing home. This loan covers the purchase or refinance and provides the funds for the work being done. The construction or renovation funds will be released in draws, as frequently as monthly. Once work is completed on the property, we offer many permanent financing options for you to choose from.


• Home Improvement Loan Program
  Many homeowners enjoy their current home and love their neighborhood but would like to have additional living space, updated conveniences, and energy efficiency that many older homes lack. Our home improvement loan program can help you obtain the items on your wish list while keeping you in the home you love. We accomplish this by lending off the "as complete" value of your property, not the value before renovations have been made.

Testimonial
“When I think of Sarah, I think of someone who doesn’t see her clients as income, but sees them as individuals. Sarah did everything possible to help me become a first-time homeowner in a very difficult market. Then, several months later, proactively watched the market and called me, and led me into a refinance situation which saved me almost $400 / month on my mortgage just five months after I had originally purchased my house. I can’t conceive of coming across a mortgage lender that is more vested in her clients than Sarah has been in me.”

Cheryl G.