RYAN KENNEDY
NMLS#1434300
When you call Ryan Kennedy – The Kennedy Group Powered by Mpire Financial, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our ARMs. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.
When you work with The Kennedy Group Powered by Mpire Financial, you’ll benefit from our flexible appointments, ongoing availability, and commitment to customer service and satisfaction. You will work with a dedicated professional who will thoroughly evaluate your financial circumstances to help you qualify for a loan that works within your budget. Our goal is to get you the most favorable rate available, all the while working to answer your questions and make the application process as smooth and simple as can be.
Although Ryan Kennedy is located in Winter Garden, we do business throughout the entire state of Florida! Contact us today to help you make a smart financial decision!
CALL RYAN NOW
407.620.0344
My Specialized Loan Products
Conventional Loans
Conventional mortgages are among the most popular types of loans: They don’t have specialized eligibility requirements, come with low minimum down payments and are available right here with Ryan @ Mpire Financial!
FHA LOANS
Insured by the Federal Housing Administration, FHA loans allow borrowers to buy a home with a minimum credit score of 580 and as little as 3.5 percent down, or a credit score as low as 500 with at least 10 percent down. FHA also insures FHA 203(k) loans, which allow borrowers to buy and fix up a home with the same low credit and down payment flexibility.
VA LOAN
Qualified U.S. military members (active duty, veterans and eligible family members) can apply for loans backed by the U.S. Department of Veterans Affairs (VA). VA loans come with lower interest rates compared to other loan types, and don’t require a down payment. Let Ryan know about your interest in this type of loan, he has extensive knowledge about all the specifics!
USDA Loan
The U.S. Department of Agriculture (USDA) guarantees loans for some rural homes for up to 100-percent financing (in other words, there’s no down-payment requirement). This doesn’t mean you have to buy a farm or shack up with livestock, but you do have to buy a home in a USDA-eligible area.
Non - QM
Non-QM loans are aimed at borrowers with financial profiles that don’t meet the requirements of a typical qualified mortgage. This often involves an inconsistent or nontraditional income structure, a major credit event or high debt. Features associated with non-QM loans include: Alternative income documentation. Ryan will let you know which docs you’ll need.
Down Payment Assistance
Down payment assistance makes homes more affordable for home buyers. Down payment assistance programs remove obstacles for first-time home buyers, and keeps them from using 10 years of their life saving for a downpayment.
The programs also help U.S. neighborhoods to prosper.
When renters become homeowners, communities benefit. New homeowners make home improvements, increase curb appeal, and raise property values. Plus, they spend money in local stores and businesses, which generates taxes for the municipality.
Homeownership is the centerpiece in the U.S. economy – both nationally and locally – so the government has incentives to promote it.
This is where down payment assistance comes in; Ryan will cover everything you need to know about down payment assistance programs and how to find one to buy your first home.
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