About Joy Sinegar Munoz & Mortgage Team

Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.

As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.

Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.

Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.

You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.

Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.

Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.

Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.

Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.

A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.