Real Estate Yogi: Your Guide to a Stress-free Mortgage Journey
Revolutionize your mortgage process with Real Estate Yogi's consumer-friendly platform for stress-free home loans.
Say goodbye to the stress of home-buying. Home-buying can be stressful, but with Real Estate Yogi, you don't have to worry about a thing.
Our all-in-one mortgage platform removes all the hassle associated with home-buying, giving you a stress-free experience.
Discover the power of Real Estate Yogi – the Home Mortgage industry leader since 1999, providing expert advice and a wide array of resources to help you find the best rates. Ready to achieve your American Dream of owning a home? Real Estate Yogi provides a free Home Mortgage Rate Quote, no obligation, no hassle, just results.
Real Estate Yogi Is Here To Help
There is no reason that getting a Home Mortgage should be so daunting. Yet, recent polling data suggests it’s stressing out millions.
According to a recent survey by Homes.com, 44% of 2,000 people surveyed said they felt nervous throughout the home-buying process. 40% said buying a home was the most stressful part of life.
There are many reasons, particularly for the inexperienced, to spend sleepless nights hoping to obtain a home mortgage. The process can feel overwhelming. But in every case, Real Estate Yogi experts are here to guide you.
What’s Stopping You from Getting a Home Mortgage?
Budget Constraints and Poor Credit
For many people, personal finances are a source of stress regarding the home mortgage loan process. It’s common to feel overwhelmed and unsure of your ability to purchase a home, especially if your credit score is lower than you would like.
Life can be unpredictable, and unexpected events like job loss, layoff, or vehicle problems can cause you to fall behind on payments, further impacting your credit score.
Fortunately, Real Estate Yogi understands that life can throw curveballs. We are here to help you navigate the home loan process. Whether you struggle with a high debt-to-income ratio or find it difficult to pay your expenses, Real Estate Yogi provides the tools and guidance you need to overcome your fears.
We provide the necessary tools and step-by-step guidance to ensure you can obtain a home mortgage loan, regardless of your credit history. With our help, you can have peace of mind, knowing that you have a partner who understands your unique needs and is ready to help you achieve your dream of homeownership.
Find the Home Mortgage Loan That Is Right for You.
Various types of home loans are available to cater to diverse needs and circumstances when financing a home.
Fixed-rate mortgages, as the name suggests, lock you into a rate that will not change throughout the life of the loan. Having this type of mortgage will allow the homeowner to plan ahead though if interest rates are high, it may be difficult to meet qualifications.
Adjustable Rate Mortgages (ARMs)
These loans are usually less expensive than a fixed-rate mortgage, though they are typically more complex. The fluctuating nature can make it more difficult to budget, but it is often easier to obtain. Those who plan to have the home for a short time may find these loans more attractive.
These types of loans will typically require a large down payment and will be necessary if they exceed the limits set by Fannie Mae and Freddie Mac (in most places, $726,200 for a single-family home). These can be either fixed or adjustable, depending on your situation.
Conventional loans are by far the most common form of home mortgage loans and vary in amount. These loans are not backed by any government agency and are broken down into two categories: conforming and non-conforming. Conforming loans meet the guidelines set by Fannie Mae and Freddie Mac while non-confirming do not.
These types of home mortgage loans are insured by the Federal Housing Authority and are often the most popular with those buying a home for the first time. These loans are easier to obtain than conventional home mortgage loans because they require a smaller downpayment and a lower minimum credit score to qualify. Home buyers will work with a third-party lender approved by the FHA and come in 15-year and 30-year fixed interest rates. A home mortgage company often provides these loans for buyers who may not be able to qualify for other types of loans.
For eligible veterans, VA loans can provide the best home mortgage options, given that the terms and interest rates are lower than other types of loans. Though these loans are made by a third-party, private home mortgage company, they are backed by the Department of Veterans Affairs, which will buy back a portion of the loan should the buyer default. Though the VA does not set any minimum standards, many private lenders will set their standards for credit scores and debt-to-income ratios.
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Why Sign Up With Real Estate Yogi?
When you decide to use Real Estate Yogi’s online service, there are many benefits you get including telling you everything you need to know about qualifying for a home mortgage loan.
No Hidden Fees
We believe in transparency and honesty so you won’t find any hidden fees or charges with us. We’ll provide you with a clear breakdown of all the costs involved so that you can make an informed decision.
The process can be complicated, but we keep it simple. We put you in touch with experienced lenders who take care of the paperwork for you.
Since our lenders are experienced in writing home mortgage loans, they make the process much faster and easier.
We have a nationwide database of reputable lenders you can trust to give straight answers and provide the best service.
Each month, our tools will ensure you can save money by giving you more tax write-offs and finding the most advantageous terms for your home mortgage.
You will be able to use these payments to improve or build up your credit score, and we can also guide you on getting approved for a mortgage even if your credit is less than ideal.
Tapping Into Your Home’s Equity
Owning a home gives you the opportunity to tap into home equity by refinancing if necessary. When you choose Real Estate Yogi, you will get all of the advantages of home ownership without any of the headaches typically associated with it.
Resources Real Estate Yogi Provides
As a consumer, you have a whole range of options for getting a home mortgage loan and picking the right home mortgage loan company. Real Estate Yogi gives you a variety of tools to make it the number one place to get everything you need.
Real Estate Yogi will give you a complete guide to all the pre-mortgage requirements and information that will save you as much money as possible. We will give you an estimate of closing costs and help you avoid spending money you don’t have to.
We make it as easy as possible to get a qualification letter that you can take to your bank and convince the bank that you meet the standards necessary to obtain a home mortgage loan.
Best Rates Available
Real Estate Yogi researches the market and finds the best rates for customers through our online tools. Leave the work up to us! Thanks to our proprietary technology and years of experience in the industry, you will rest easy knowing you are getting the best deal.
Private Mortgage Insurance
In some cases, the home mortgage company will require home buyers to purchase private mortgage insurance, in most cases when you make a down payment of less than 20% of the home’s price and have a conventional loan. Should this be required, we will guide you.
Customer Support 24/7
When you sign up with Real Estate Yogi, you are never alone, thanks to our round-the-clock customer support. We will answer any question you may have as quickly as possible in a language that is easy to understand. You may call 1-800-987-1397 at any time, and we will assist you.
Different Payment Options
Our experts will outline everything you need to know about your payment options. This includes questions like whether or not taxes and homeowners insurance should be part of the monthly payment.
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Let Us Help You Find Your Perfect Mortgage Loan without Any Hassle. Our Experts Will Guide You through the Process for the Best Deal Possible.
Does getting a home loan require having my house appraised?
Your lender will likely require a home appraisal to ensure your borrowing amount is not more than the house’s value.
How long does the loan application take?
While the amount of time each lender takes to evaluate your loan application may vary here at Real Estate Yogi, we will present your application in a way that will expedite the process as much as possible.
Who needs a Jumbo loan?
Those who are looking to get a home mortgage loan above a certain amount need to get this type of loan. We will explain what a jumbo loan is, who is required to get it, and the requirements.
Who should get a fixed-rate mortgage?
Fixed-rate mortgages are a good option for those who qualify and typically best for those looking to stay in a home long-term.
What happens after I buy a house with home mortgage loans?
After you get a home mortgage loan, your bank will send you a monthly statement, and as long as you make monthly payments, you will enjoy your home for years to come.