Andy Villarraga

If you don’t have the funds to pay the standard 20% (or 15% or even 10%), Movement has several low down payment loan options you can see if you qualify for – even as low as 0%. A few that may be right for you include:

• FHA loans, if you need flexible options
• Fannie Mae HomeReady, for those with low-to-moderate income
• USDA loans, for living in rural areas with 0% down

Movement offers renovation loans, including FHA 203k and Fannie Mae HomeStyle programs, to help homebuyers get a single loan for both purchase and renovation costs. Any of these renovation loan programs can:

• Help you improve or upgrade your home before move-in
• Save your loan approval by increasing the value of a worn down or neglected property
• Save you from separate financing for home purchase and renovation costs
• Increase the value of the property, improving your equity investment

Movement Mortgage may be able to help you refinance your home, depending on your current rate and length of time you’ve owned your home. If the time is right to lock in a better mortgage rate, you can switch from an adjustable rate to a fixed rate, or take advantage of a new, lower rate with our refinance loans.

Yes, Movement Mortgage can assist you if you’re a longtime, eligible homeowner who would like to tap into built-up home equity. We have cash-out refinance loan options to assist you with this.

One of our common mortgage products is a fixed-rate loan. This product gives homebuyers the comfort and ease of a consistent interest rate throughout the life of their loan. It can also provide our homebuyers with better control and flexibility to budget their finances. Contact me using the form below to see if you qualify for our options.

Yes! Movement Mortgage offers reverse mortgage options to qualified borrowers 62 or older for this purpose. A reverse, or Home Equity Conversion Mortgage (HECM), allows borrowers to tap into their home’s value and possibly become more financially secure to maintain quality of life through retirement.

Movement Mortgage can help determine what you qualify for after reviewing factors such as monthly income, employment history and credit score. You can then determine the mortgage debt that you're willing to bear based on your future financial goals. We’ll be glad to provide expert advice to assist you with how much you can comfortably afford to borrow.

There are no costs currently associated with just starting your application, or receiving a pre-approval (if qualified). Depending on your loan type, you may need to consider saving up for closing costs and fees.

It is essential to plan for various out-of-pocket costs such as an appraisal, title insurance and other costs depending on your specific loan situation. Some sellers will pay for some, or all, of your closing costs. Contact me to verify costs for your specific scenario.

Yes! A common mistake is assuming that getting pre-qualified is substantial enough in a busy market full of other buyers all eyeing the same home. In today's market, pre-approval is the way to go. Movement's pre-approval process aims to give an advantage as if you had a cash transaction in the eyes of a seller, truly setting them above the rest.

Movement Mortgage is setting records in the industry with our goals of 6-Hour Upfront Underwriting, 7-Day Processing and 1-Day Closing. *Meanwhile, you may hear about time frames elsewhere being anywhere between 30 to 90+ days. We have streamlined these processes, allowing our loan officers to move closing dates up when requested by real estate agents.

*While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window.

Your credit score, in addition to other factors, plays a role in determining your credit-worthiness to the lender. Movement Mortgage offers valuable advice and encourages borrowers to get pre-approved first, increasing their borrowing power for their future purchase.

Please don’t hesitate to give us a call. This is one of the biggest purchases of a lifetime, and Movement Mortgage believes in the importance of educating and arming our borrowers with as much knowledge as possible to comfortably and confidently purchase their dream home.