Buying a house is the biggest purchase most people will make, and it can be both an exciting and challenging venture. Viriva is here to provide you with guidance and peace of mind throughout the process. Whether you prefer a mortgage program with a shorter term loan but has higher monthly payments or a longer-term loan with lower monthly payments, we'll help you uncover the pros and cons of each mortgage program. Everybody’s American dream is different, and there is no one-size fits all mortgage solution. Contact us for assistance and get the keys to your dream home.

If you are not ready to purchase in the immediate future but would like to someday, saving for a home purchase takes commitment and sometimes sacrifice. Viriva is your financial partner for life! We will help guide you every step of the way towards home ownership. Connect with us to learn more. 

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888-7-Viriva, Option 2

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Frequently Asked Questions

Are there special programs available?

Speak with a mortgage specialist today to find the best option suited to your needs.

What can I afford?

Prequalification can help you get the house you want, assuring the seller you'll be able to secure financing. This will also help you determine how much house you can afford. Connect with a mortgage specialist to find out more. 

What is the difference between a fixed-rate or adjustable-rate mortgage?

Fixed-rate mortgages offer rate and payment security because rates and payments remain constant. This makes budgeting easier, because you know your mortgage interest rate is not going to change, even if the economy changes and rates go up.

Adjustable-rate mortgages, or ARM, feature lower rates and payment early on in the loan term, which can be attractive compared to some fixed-rates. However, the rates are not fixed and can increase over the life of the loan.

There are advantages and disadvantages to both, so discuss the options with our mortgage specialist. 

What factors will determine if I can get approved for a mortgage?

Credit history, income, employment, down payment, and property value are integral parts of determining your eligibility.

What is included in a monthly mortgage payment?

In most circumstances, your monthly mortgage includes more than just your mortgage payment. It’s important to account for this when you’re deciding how much you can afford each month. 

Principal + Interest + Property Taxes + Homeowner's Insurance

Viriva Mortgage Programs

  • Conventional 97% LTV
  • Fixed Rate Mortgage + ARM
  • Gift funds can be used for down payment