Residential Mortgages

I offer very competitive rates on residential mortgages. My goal is to provide good programs and service as I know that if I do well by you, you will keep me in mind should you know of anyone like yourself that is interested in purchasing or refinancing a home.

Are you looking to buy a home or refinance? I can help you learn more about home loans and finding the best loan options to suit your needs and goals. You can explore my site without any obligation or disclosure of personal information.

At any point, feel free to e-mail me at Vivian@VivianGaspar.com or call me at 800-977-1077 regarding any questions you may have. I am here to personally help you through the entire home financing process.

Residential Mortgage Programs

Up to 107% on purchases (finance closing costs)

First Time Home Buyer

FHA / 3% Down

VA (Veterans Administration)

Homebuyer Down Payment Assistance

Jumbo (above $417,000 on single-family homes)

Alternative Credit and Less-Than-Perfect Credit

No Tax Return and Asset Verification

Rate Locks up to 120 Days (on most programs)

Construction

Debt Consolidation

Option ARM with Starting Rate as Low as 1%

Foreign National

True No Documentation

Additional Resources

Frequently Asked Questions

Mortgage Trivia

Residential Mortgage Resources