Terri Stoddard | Trusted Mortgage Advisor

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Ready to take the next step toward your dream home? Apply now Terri.

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Buying your first home is an exciting step, and Terri Stoddard is here to make it simple and stress-free. With low down payment options and down payment assistance programs (DPA), Terri helps first-time buyers overcome financial hurdles and secure affordable financing. Whether you’re ready to buy now or need help building your credit, Terri provides the guidance and resources you need to make your homeownership dreams a reality.

Conventional loans offer flexible terms, low down payment options, and competitive rates—making them ideal for buyers with steady income and good credit. Terri customizes conventional loan programs to fit your financial goals, whether you’re purchasing a primary home, vacation property, or investment property. With options to eliminate PMI, she helps you save money while building equity in your home.

For buyers looking for affordable financing and low down payments, FHA loans are a great option. With down payments as low as 3.5% and flexible credit requirements, these government-backed loans make it easier to qualify. Terri specializes in helping buyers take advantage of FHA loans, offering solutions for first-time buyers and those rebuilding credit.

Terri Stoddard is proud to assist veterans, active-duty service members, and military families with VA loans that feature zero down payment, no PMI, and low-interest rates. Whether you’re buying your first home, refinancing, or looking to access equity, Terri ensures you maximize the benefits you’ve earned through your service.

For buyers looking to purchase luxury homes or high-value properties, Terri offers jumbo loans with competitive rates and customized terms. These loans exceed conventional loan limits, making them perfect for financing larger purchases without the added stress.

Being self-employed doesn’t have to stand in the way of homeownership. Terri provides personalized mortgage solutions designed for business owners, freelancers, and entrepreneurs. With options like bank statement loans and alternative income verification, Terri makes qualifying easier and helps you secure the right financing.

For borrowers who don’t fit traditional lending criteria, Terri offers Non-QM loans with flexible guidelines and alternative income documentation. These loans are ideal for real estate investors, freelancers, and buyers with unique income situations. Terri works with you to find creative solutions that match your needs.

If you’re self-employed or a business owner, Terri simplifies the process with bank statement loans that use bank deposits instead of tax returns to verify income. This flexible approach makes it easier for non-traditional borrowers to secure financing without the paperwork hassle.

For buyers interested in building wealth through real estate investments, Terri offers investment property financing with flexible terms and competitive rates. Whether you’re purchasing a rental property or expanding your investment portfolio, Terri’s expertise helps you maximize returns and secure the financing you need.

For non-U.S. citizens without a Social Security Number, Terri provides ITIN loans that make homeownership possible using an Individual Taxpayer Identification Number (ITIN). She works closely with buyers to simplify the process and ensure smooth approvals, making homeownership accessible for more families.

Refinancing can help you lower payments, secure a better rate, or cash out equity for home improvements or debt consolidation. Terri tailors refinancing options to your goals, helping you save money and make the most of your home’s value.

A HELOC allows homeowners to tap into their home equity for renovations, education costs, or unexpected expenses. With low-interest rates and flexible repayment plans, Terri helps clients access funds quickly and affordably.

Turning a fixer-upper into your dream home or building from the ground up is simple with Terri’s renovation and construction loan programs. These loans finance both the purchase and improvements in one streamlined process, providing the flexibility you need to create the perfect home.

For buyers looking to purchase in rural or suburban areas, USDA loans offer zero down payment and affordable financing options. Terri works with buyers to determine eligibility and guides them through the application process, making homeownership possible with lower upfront costs.

Adjustable-rate mortgages (ARMs) are a great option for buyers seeking lower initial payments or planning to refinance or sell before rates adjust. With introductory fixed rates and flexible terms, Terri helps buyers explore whether ARMs align with their financial plans.