Home/How Doc Helps

How can Doc help?

Start with your situation. Doc will match it to a program and walk you through it in plain language.

I want to buy a home

First home or next home, there is a program built for your situation. Start with the one that sounds like you.

First-Time Homebuyer Programs Minimal down payment, credit as low as 580+. → VA Loans for Veterans No down payment, no mortgage insurance. → 2-1 Buydown Program 2% lower rate year one, 1% lower year two. → New York: SONYMA DPAL Forgivable NY down payment assistance loan. → New Jersey: NJHMFA DPA Forgivable after 5 years, no interest, no payments. → Pennsylvania: K-FIT 5% assistance, forgiven over 10 years. → FHA DPA (48 States) 600+ credit, no income limits, 48 states. →

I want to renovate or rehab a property

Buy a home and renovate it with one loan, or refinance to upgrade the home you already own.

Talk to Doc About a Rehab

Renovation Loans Purchase + renovation in one loan. → Cash-Out Refinance Access equity, consolidate debt, fund goals. → Second Mortgage Up to $500,000 behind your current rate. →

I want to buy an investment or mixed-use property

Investors can buy with no proof of income.* DSCR loans qualify on the property's projected rent, not your tax returns. 1-4 units and condotels are allowed, and so are mixed-use and multi-family properties of 5-8 units.

Talk to Doc About Investing

DSCR Investor Loans Qualify on the property's rent, not your income. →

Not sure where you fit?

Start the checkup See all loan programs → Meet Doc →

People Over Profit.

You can buy a home. We can help.

Doc values people over profit, even though the best things in life come with a fair price. Call to learn more about how these loan programs can help you qualify.

Call (917) 417-5189 Prefer email? kdocteur@unitedmortgage.com