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James McKibban

James McKibban

Loan Officer
Movement Mortgage
NMLS ID # 491647

CONVENTIONAL Purchase

I want a range of down payment options.

Movement Mortgage conventional loans come in a variety of options and with excellent advantages for qualified borrowers. While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types.


SHORT ON DOWN PAYMENT?

Here Are A Few Conventional Low Down Payment Options


Fannie Mae HomeReady

HomeReady is a fixed-rate, affordable housing program for creditworthy, low-to-moderate income borrowers offering up to 97% financing.


Freddie Mac Home Possible & Home Possible Advantage

Designed for low-to-moderate income homebuyers and/or individuals purchasing or refinancing properties in target areas.

Maximum financing (LTV/CLTV) and minimum credit score requirements are determined based on the loan product type

Private Mortgage Insurance (PMI) is required on conventional loans with an LTV > 80%.

Rewards of Conventional Qualifying

  • A range of down payment options
  • Advantages for higher down payments
  • Option to eliminate mortgage insurance with a 20% down payment
  • Financing for properties commonly restricted by government loans
James McKibban
James McKibban
Loan Officer
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17877 Von Karman Ave, Ste 230, Irvine, CA 92614
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NMLS # 491647

State License #AK-AK491647, AL-83650, AR-129588, AZ-1013507, CA-DFPI CA-DBO491647-CA DFPI under the California Residential Mortgage Lending Act, CO-100530150, CT-LO-491647, DC-MLO491647, DE-MLO-491647, FL-LO104680, GA-491647, HI-491647, IA-49361, ID-MLO-2080491647, IL-031.0073833, KS-LO.0050411, KY-MC800676, LA, MA-MLO491647, MD-491647, ME, MI-491647, MN-MLO-491647, MO-491647, MS-491647, MT-491647, NC-I-218389, ND-NDMLO491647, NH, NJ -licensed by the N.J. Department of Banking and Insurance, NM, NE, NV-61912, NY Licensed Mortgage Banker-NYS Department of Financial Services, OH-MLO-OH.491647, OK-MLO30583, PA-101428, OR, RI, SC-MLO - 491647, SD-491647.MLO, TN-491647, TX-SML, UT-DRE-13289236, VA-MLO-59744VA, VT-MLO-491647, WA-MLO-491647, WI-491647, WV-LO-491647, WY-105777