Find the Perfect Mortgage Solution for Your Dream Home

Expert guidance and flexible options to make homeownership within reach.

+25.5%

Increase of the company's efficiency

Why Choose Theos Financial for Your Mortgage Needs?

Explore Your Mortgage Options

Theos Financial offers a variety of mortgage options to suit different needs. Whether you’re a first-time homebuyer, looking to refinance, or want to explore specialized loans, we have you covered.

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Find out which home load suits you better.

Calculate your Monthly Mortgage with our Real Time Home Loans Calculator

Try our mortgage calculator to get a quick estimate of your monthly payment. Simply enter your loan amount, interest rate, and loan term to see how it fits into your budget. Ready to take the next step? Contact us today to discuss your options in detail.

Simple Steps to Secure Your Mortgage

ABOUT OUR REVIEWS

We’ve streamlined the mortgage process to make it as easy and stress-free as possible. Here’s what you can expect when you apply with Theos Financial:

Our Clients Love What We Do

Our clients’ satisfaction is our top priority. See why homeowners across the country trust Theos Financial with their mortgage needs:

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Frequently Asked Questions About Mortgage

What is the minimum down payment for first-time buyers?

The minimum down payment varies by loan type. Conventional loans often require around 3-5%, while FHA loans allow as low as 3.5%. VA and USDA loans sometimes offer options with no down payment for those who qualify.

Should I choose a fixed-rate or adjustable-rate mortgage?

A fixed-rate mortgage has a stable interest rate for the life of the loan, making it predictable. An adjustable-rate mortgage (ARM) starts with a lower initial rate, which can change over time. Fixed-rate is often better if you plan to stay long-term, while ARMs may suit shorter stays.

Are there special loan programs for first-time homebuyers, like FHA or VA loans?

Yes, FHA loans are popular for first-time buyers because they require a lower down payment and have flexible credit requirements. VA loans offer benefits for veterans, and USDA loans can help buyers in rural areas with low or no down payment options.

What additional costs should I budget for besides the down payment?

Besides the down payment, expect closing costs (typically 2-5% of the loan), home inspections, property taxes, and possibly mortgage insurance if your down payment is below 20%. These are important to budget for to avoid surprises.

How long does the mortgage approval process take, and what documents are required?

The process usually takes 30-45 days, depending on your financial situation. You’ll need documents like recent pay stubs, tax returns, bank statements, and identification. Preparing these in advance can help speed things up.

We’re Here to Serve You in California and Florida

We’re excited to bring our mortgage services to homebuyers in California and Florida. Whether you’re looking to buy your first home or refinance, our team is here to guide you through every step of the process. More states coming soon!”

Licensed States

Pending States

Licensed States

California

“Serving the diverse mortgage needs of California residents, with options for first-time buyers, refinances, and more.”

Florida

“Offering competitive mortgage solutions tailored to the Florida market, from FHA and VA loans to refinancing options.”

Ready to begin your journey to homeownership? Reach out today for personalized assistance.

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