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Halo Capital's Legendary Product Offerings!
While this is not an exhaustive list of the benefits and loan programs you get access to when working with the Halo Capital team, we felt it crucial to have a solid list available to reference - as it is quite expansive and one of the most vast amount of solutions we thing you can find under one roof. In addition to our well-tenured team, there is little reason to seek real estate or business funding anywhere else!
- Starters
Bonus: New Home Portal
Our team can offer a great place for you to store information and documentation about your new home! Upload anything house related to keep things all in one place: Loan documents from closing, home warranty paperwork, instructions for that new dishwasher, serial numbers of electronics - the...
moreReal Estate Agent Support Group
We have a special private group on Facebook that allows us to update our real estate and business partners about market updates and guideline changes. It is also designed as a great place to ask questions and get answers that are completely applicable and real, rather than hoping your Google...
moreReal Estate | Business Partner Portal
Our referral partners get access to a co-branded loan application, overview of their client's activities and progress, as well as the ability to run estimated payments and pull preapproval letters automatically. A phenomenal tool designed to streamline the referral process and keep you in the...
moreCredit History - Coaching and Repair
Our team can help guide the consumer to better scores. Oftentimes, it isn't a difficult journey if you know how to offset the credit bureaus game! When heavy lifting is involved, we have terribly successful credit repair partners that we introduce to the mix!
moreCredit Re-Scoring
Normal adjustments to a credit bureau and associated credit score can take 30-60 days to update. Our unique contract with credit report providers allow us to update reports and scoring in as little as 5 business days.
moreOpt Out PreScreen
We value our customers' privacy, so as part of our application process we ask if they would like help in opting out of solicitation from unscrupulous companies that purchase their information from the credit bureaus when they apply for financing. Part of our approach includes "soft credit"...
morePre-Purchase Consultation
If a consumer needs to get on pace to be able to buy a home in 3, 6, 12 months down the road, this is a great way for them to learn what they may want to consider in preparation, find out what to expect when the process starts, and get comfortable with their budget and the home loan process, way...
more- Entrees
Conforming Home Loans
Oftentimes used synonymously with Conventional financing, we offer both primary channels for these types of loans: Fannie Mae and Freddie Mac. Offerings include purchases, refinances, construction and renovation options.
moreFHA
Mistakenly thought of as a first-time homebuyer loan product, FHA financing is an expansive loan product that can be superior to other loan types for a consumer, depending on credit score, debt ratios, income types, property types, previous credit events such as bankruptcy or foreclosure, and...
moreVA Home Loans
For eligible Veterans, the VA home loan benefit is a fantastic tool. This loan can offer up to 100% financing and is a tremendous option for both great and challenged credit. Offerings include purchases, refinances, construction and renovation options.
moreUSDA Home Loans
Halo Capital offers the Guaranteed USDA home loan product, which as expansive and wider opportunities to qualify. USDA financing is directed towards cities and towns with less than 25,000 population typically and is drastically under-utilized. Up to 100% financing is allowed with this loan...
morePortfolio Loan Products
Sometimes these types of home loans are called "in-house" in addition to portfolio. What that means is that it is typically funded and held by a private institution rather than a government entity. These types of loans are great for consumers that fall just outside of qualifying for some of...
more- House Specialties
Real Estate Investor Financing
Whether a customer is looking for fix/flip or fix/hold funds, looking to acquire or refinance an investment portfolio, or just get started in buying their first rental property - we are here to help!
moreSelf-Employed Borrowers
Specialized programming for qualifying self-employed and contracted (1099) borrowers.
moreAlternative Financing Options (NonQM)
Unique products for unique situations! Some examples of alternative home loan products include:
* Bank Statement programs (bank statement deposits as income vs tax returns/paystubs)
* 1099 tax statement (used as income vs tax returns/paystubs)
* CPA-prepared P&L (used as...
moreCommercial and Business Financing
Our commercial loan programs expand from various types of real estate, all the way through unsecured business lines of credit. Some examples for reference:
*Apartment complex *Office Building *Mixed Use Property *Church *Manufactured home park *Mechanic shop *Hotel/motel *Storage...
more- Desserts
Down Payment Assistance
Sometimes potential homebuyers just need a little help toward the finish line. Halo Capital offers quite an array of down payment assistance (DPA). They can all be a little unique in their approach - all the more reason to speak to a seasoned loan officer to determine which matches make the...
more- A la Carte
Second Look Review
Having issues with a lender and getting qualified? Our team can review information from the other lender, along with any documentation you may have, to try to find you a WIN! Even if it comes to fruition that you cannot qualify today, we can guide you along the way to get you there as quickly...
moreChattel Financing
Find a manufactured home but it isn't on real property, but instead it is located on leased land in a park or similar? You need chattel funding!
moreBridge Loans
Do you need to use equity from your current home to buy your next property, but haven't solid it yet? This is where a bridge loan comes in super handy - get temporary access to your home equity without selling your current home. You can then close on your new property and move in, and then get...
moreHome Equity Loan
Much like a HELOC, a HELOAN is typically a second lien on a property that allows you to use equity without disturbing the current first lien position mortgage.
moreHome Equity Line of Credit
A HELOC is a great tool to get access to equity in your home or investment property. A huge perk of a line of credit is that you can typically re-draw funds down the road if you need to make repairs or updates to your property.
more- Refreshments
Appraisal Waivers
Depending on your loan product and underwriting results, we may be able to avoid getting an appraisal on your home purchase or refinance. This can yield a savings up to $700!
moreEscrow Waivers
Save thousands at closing! Some of our customers are able to avoid having an escrow account on some of their Conventional and VA financing - keep more money in your pocket! Ask a team member for more information if you would prefer to save money and pay your own taxes and insurance on your...
moreBudget Buster - Loan Customization
Some of our borrowers realize true interest rate or loan term customization. For instance, perhaps you have a 30yr fixed mortgage and want to refinance - but do not want to start over at 30 years for the term....NO PROBLEM! We got you!
moreLess Documentation - More Savings
Some of our offerings will not require full documentation for your loan file. This means less work for you, less time in underwriting and processing, and a faster move date or closing date. Find out how our team can streamline your transaction!
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