MORTGAGE BROKERS; ACCESS TO 100+ Lenders
Secure Your
Dream Home
With Us
Sudha Gumidelly, an experienced licensed loan officer in Texas, is dedicated to helping you secure your dream home with us. With years of expertise in the industry, Sudha understands the complexities of the loan process and is committed to guiding you every step of the way. Whether you’re a first-time homebuyer or looking to refinance, trust Sudha to make your homeownership dreams a reality.
Loan Programs
01
Conventional Loan
A Conventional Loan is a mortgage that is not backed by a government entity like the FHA or VA, but instead is offered through private lenders and can meet the needs of a broad range of borrowers. These loans are known for their flexibility in terms of down payments, loan amounts, and repayment terms, making them ideal for buyers who have good credit and can meet the traditional income and asset requirements.
02
FHA Loan
FHA Loans Explained for Homebuyers FHA Loan or Federal Housing Administration loans are government-backed mortgage options designed to make homeownership accessible to a broader range of borrowers. Established in the 1930s during the Great Depression, the FHA aims to stimulate the housing market and promote affordable housing for all Americans.
03
USDA
USDA Loans, backed by the United States Department of Agriculture, are government-insured mortgage options designed to promote homeownership in rural and suburban areas. With a mission to improve the economy and quality of life in rural America, USDA loans provide a pathway for individuals and families who might otherwise struggle to secure financing.
04
VA Loan
VA Loans are mortgage options backed by the United States Department of Veterans Affairs (VA) designed specifically for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. Established in 1944 to help returning servicemen and women obtain affordable housing, VA loans have become a vital resource for military families seeking to purchase homes.
05
DSCR Loans
DSCR, also known as Debt Service Coverage Ratio, is a vital measure used to evaluate financial situations. It enables lenders to determine a borrower’s ability to fulfill their debt responsibilities by utilizing the income generated from the property being financed. By assessing this ratio, lenders gain valuable insights into the level of risk associated with lending to the borrower. So, if you’re looking to buy your dream home with us, understanding and meeting the DSCR requirements becomes crucial.
06
Land Loans
Buy Your Dream Home With US by taking advantage of our Land Loan option, which necessitates recipients to commit to building a residence within a period of two years.
Embrace Our Unmissable Mortgage Services
Experience our exceptional mortgage services and embrace the opportunities they offer. Our esteemed mortgage brokerage firm is dedicated to providing you with unrivaled expertise. Delve into a wide array of mortgage loan programs and customized strategies that are specifically designed to align with your individual circumstances and aspirations. Take a step closer to buying your dream home with us.
Come and Experience Our Unforgettable One Time Contruction Loans and Temporary Rate Buydown Options
Buy Your Dream Home With US
Our company provides convenient financing solutions for construction projects. With our one-time construction loans, you can secure funding in advance, enabling you to start construction without delays. Once your project is completed, the same loan seamlessly converts into a mortgage, simplifying the transition process.
To make our financing options even more attractive, we offer temporary rate buydown choices. By opting for this, you can lower your interest rate by 3%, 2%, or 1% during the first year. Additionally, you can enjoy an extra 1% reduction over the subsequent 2 or 1 years until it reaches the normal note rate. Please note that borrowers need to qualify for the actual note rate to be eligible for this opportunity.
$10 million
Loans processed per month
20-30 Units
Sales per month
250
top notch Loan Originators
9
Locations, Licenses
FL, GA, AL, SC, NC, TX, AR, OK
Our meticulous approach
eases your burden.
✓ Seamless Process
✓ Flawless meetings
Frequently Asked Questions
Is quick Pre Approval available?
Certainly, we offer rapid pre-approval, provided that all necessary documents are provided. Buy your dream home with us.
Is my information Secure?
Rest assured, your information is fully protected. Our state-of-the-art Loan origination software guarantees the utmost security. Confidentiality is our priority when it comes to safeguarding your data. So go ahead and confidently buy your dream home with us.
Can you charge anything in advance?
We do not require any upfront charges for our services. There are no application fees, credit check fees, or any other associated fees. Purchase your dream home with us.
Is there an application fee?
None. Purchase your dream home with us.
How soon you can close the loan?
IWhen can the closing take place? Historically, we have been able to close within around two weeks. However, the timeframe can vary depending on individual borrowers and is subject to underwriting requirements. It also depends on how promptly you provide the necessary documents and fulfill the underwriting conditions. Rest assured, we are committed to helping you buy your dream home with us.
Connect with the professionals
Our Expert Staff
About Sudha Gumidelly and SGMortgageLoans
Why you need to buy your Dream Home with Us
At Loan Factory, Sudha Gumidelly (NMLS# 2167577) is dedicated to assisting individuals and families throughout the United States in achieving their dream of owning a home. With an extensive understanding of the mortgage industry and a genuine enthusiasm for finding suitable loan solutions, Sudha has established a reputation for providing personalized and dependable mortgage services.
As a trusted partner of Loan Factory, Sudha specializes in offering customized loan products that cater to the diverse financial requirements of her clients. Whether you are a first-time homebuyer or seeking to refinance, Sudha Gumidelly ensures a seamless and transparent mortgage process that is tailored to your specific circumstances.
With expertise in various loan programs such as FHA, VA, and Conventional Loans, Sudha Gumidelly and the team at US Mortgage Lenders work diligently to help clients secure the best available financing options for purchasing your dream home with us.
Sudha Gumidelly
Mortgage Loan Officer
NMLS# 2167577
Ph# (945) 527-9896