Thinking of Buying, Selling or Mortgage Loans?

At CRESTICO, we provide a one-stop solution for all your real estate and mortgage needs. Our expert agents and loan officers work seamlessly to offer tailored financing solutions, competitive rates, and a smooth home-buying or refinancing experience. We prioritize transparency, efficiency, and client satisfaction to make your journey stress-free.

Qualifying for a mortgage depends on factors like credit score, income, employment history, and debt-to-income ratio. Our mortgage professionals will assess your financial situation and guide you through the best loan options, whether it’s conventional, FHA, VA, or jumbo loans. Start by applying online or contacting our team for a free consultation.

Yes! We specialize in helping first-time homebuyers secure affordable financing through government-backed programs, down payment assistance, and competitive mortgage rates. Our team will walk you through every step, ensuring you understand your options and maximize savings.

Absolutely! Whether you’re looking for rental properties, fix-and-flip opportunities, or commercial real estate investments, our experienced agents and financial experts can help you find profitable deals, secure financing, and optimize your investment strategy.

Refinancing your mortgage with CRESTICO can help you lower your monthly payments, secure a better interest rate, or tap into your home equity. Our team will analyze your current mortgage, compare refinancing options, and help you choose the best solution to save money and achieve your financial goals.

Yes, you may still qualify for a loan even if your business or personal tax returns are not strong. Lenders offer alternative financing options, such as bank statement loans, asset-based loans, stated income loans, or DSCR (Debt Service Coverage Ratio) loans for investors. These programs assess your ability to repay based on factors like bank deposits, assets, or rental income rather than traditional tax returns. Qualification criteria vary by lender, so working with a knowledgeable mortgage professional can help you find the best loan option for your situation.

Yes, if you are 62 or older, you may qualify for a reverse mortgage (Home Equity Conversion Mortgage - HECM). A reverse mortgage allows you to borrow against your home’s equity without making monthly mortgage payments. Instead, the loan balance is repaid when you sell the home, move out, or pass away. You are still responsible for property taxes, homeowners insurance, and maintenance. This can be a great option for seniors looking to supplement their retirement income, eliminate an existing mortgage, or improve cash flow. Consulting a mortgage professional can help determine if a reverse mortgage is right for you.

Yes, you can access your home’s equity and pull cash out through options like a cash-out refinance, home equity loan, or home equity line of credit (HELOC). These loan programs allow you to borrow against the equity you’ve built in your home and use the funds for various purposes, such as home improvements, debt consolidation, investments, or other financial needs. Each option has different terms, interest rates, and repayment structures, so consulting with a mortgage professional can help you choose the best solution for your situation.