JOHN CRIVEA II
NMLS#302000
As a Certified Mortgage Advisor (CMA®) & professional mortgage loan originator, I customize solutions for my clients when purchasing or refinancing their home. Real estate is by nature a wonderful investment, and a way to build generation wealth. In fact, your mortgage loan is most likely your single largest debt, and your home is most likely your single largest asset.
Throughout our careers, my Team & I have made it our mission to set a higher standard in the mortgage industry. We have over 55 years of combined experience and we look forward to earning your business! We are committed to quality service for our mortgage clients. Whether you’re a first time home buyer, an experienced home buyer, a first-time or a seasoned investor, we keep you informed at every step of the mortgage process. By choosing us, you’ll know you have the Best Team in the industry! You can experience our motto, “Working for Your Success,” in SC/FL/TN/MI/VA (with more States coming soon)!
A special note for professional real estate agents, financial planners, or tax professionals: If you are in need of a partner to assist you in creating a financial strategy that can help your clients close their deal, please contact us!
864.907.1089
My Specialized Loan Products
Conventional Loans
Conventional mortgages are among the most popular types of loans: They don’t have specialized eligibility requirements, come with low minimum down payments and are available right here @ Mpire Financial with Angie!
FHA LOAN
Insured by the Federal Housing Administration, FHA loans allow borrowers to buy a home with a minimum credit score of 580 and as little as 3.5 percent down, or a credit score as low as 500 with at least 10 percent down. FHA also insures FHA 203(k) loans, which allow borrowers to buy and fix up a home with the same low credit and down payment flexibility.
VA LOAN
Qualified U.S. military members (active duty, veterans and eligible family members) can apply for loans backed by the U.S. Department of Veterans Affairs (VA). Angie will show you that VA loans come with lower interest rates compared to other loan types, and don’t require a down payment.
USDA Loan
The U.S. Department of Agriculture (USDA) guarantees loans for some rural homes for up to 100-percent financing (in other words, there’s no down-payment requirement). This doesn’t mean you have to buy a farm or shack up with livestock, but you do have to buy a home in a USDA-eligible area.
Reverse Mortgage
Angie says that a Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older.
Commercial Loan
A commercial loan is a financial instrument that businesses owners can avail of to address any short-term capital needs. The sanctioned amount can be used to increase the working capital, acquire new machinery, build new infrastructure, meet operational costs, and other such expenditures.
DSCR Loans
A DSCR loan is a measure of the cash flow a borrower has to pay against current debt obligations for an investment property. A DSCR loan is a type of non-QM loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income. More Questions? Ask Angie for details!
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