A Superior Option
For Home Loans
Down Payment Amount:
Loan Amount:
Monthly Payment:
*This is a simple mortgage calculator designed to give you a general idea of a mortgage payment only. The Property Taxes, Homeowner's Insurance, Private Mortgage Insurance (PMI) and HOA fee, if applicable, will be in addition to the mortgage payment. Please contact me to run more specific numbers for you.
Andrey Dimitrashuk
I was born and raised in Ukraine. At the age of 18 I moved to the Unites States knowing only three words in English: 'Hi', 'Bye' and 'Chicken'. When I arrived, I was no longer considered a high school age student so I began attending Fresno Adult School and Clovis Adult School at the same time.
The following year I was able to enroll into Fresno City College. In 2005 I graduated from FCC with an Associate Degree in Business Administration.
After graduating, I married my beautiful wife Angie. I put education aside for a while and went to work for a big security equipment manufacturer – Pelco. During my time at Pelco, I decided to finish my education and enrolled in Fresno Pacific University to get my BA. I graduated from FPU with a Bachelor’s degree in Business Management. I worked at Pelco for 10 years. I started in the Payroll Department as a Payroll clerk. Shortly thereafter, I was promoted to the Sales Department as a Sales Representative and from there I went to the Global Sales department as a Business Analyst. When my position at Pelco was eliminated, I decided to go into mortgage lending.
I love my job and I’m very blessed to do what I love and help people at the same time. My wife and I are raising 4 beautiful children, ages 8mo -18 years old. My hobbies are beekeeping and gardening. Raising bees has taught me the value of hard work and I enjoy sharing the honey harvest with friends, family and clients.
We offer a vast variety of mortgage options from loans for the first time home buyers to loans for investment properties and more.
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage
Self-Employed
Investment
Home Ownership Made Easy
Educate yourself through various videos about mortgages on my YouTube channel.
Here's What People Say
Pre-qualification is a quick, informal, a lot of times verbal assessment of your financial situation. The pre-approval is a formal process involving verification of your financial information (income and assets) as well as your credit situation. It also involves running your situation through Automated Underwriting System.
Everybody's situation is different. To establish how much of a home you can afford we need to look into a few key factors: your monthly income, your credit score, how much funds you have saved for down payment and closing costs, the interest rate and your current debt situation. It is best to consult with a mortgage professional to properly assess your specific situation.
The minimum down payment required for the First Time Home Buyers is 3.5% of the purchase price. For the repeat buyers is between 5-20% depending on the purpose of the loan. If you want to avoid paying a Mortgage Insurance than you would need to put 20% as a down payment.
The lowest credit score needed to buy a house can vary based on the type of mortgage you're applying for. Generally, the minimum credit score for an FHA loan is around 580 to qualify for the low down payment, which is currently at 3.5%. If you have a credit score between 500 and 579, you can still get an FHA loan, but you'll need a down payment of at least 10%.
Office:
565 Pollasky Ave
Clovis, CA 93612
Call:
559-709-1820
Email: andrey@mylendingconcepts.com
Linktree: https://linktr.ee/andreyadvisory
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