Apply today for the mortgage that’s right for you.
Low Rate. Zero Hassles.
Low Rate. Zero Hassles.
Who we are
At Jubilee Home Lending Group
we value faith, professionalism, and honesty which are the cornerstones of every client interaction. We are dedicated to upholding the highest standards of integrity and expertise, ensuring that every client is supported with transparent, ethical practices and genuine commitment to their home purchase journey.
2024
Low rates and affordable monthly payments.
We offer low rates and affordable monthly payments, ensuring that your mortgage is both cost-effective and manageable within your budget.
An initial consultation when buying a home is an opportunity to discuss your financial situation, home preferences, and loan options with us.
It helps set realistic expectations, outlines the homebuying process, and identifies any potential challenges. This meeting is crucial for creating a plan and ensuring you are prepared for the steps ahead in your home purchase journey.
During the homebuying process, document collection involves gathering essential paperwork such as income statements, tax returns, bank statements, etc.
These documentations are required to verify your financial status and eligibility for a mortgage. Accurate and timely submission of these documents helps streamline the approval process and avoids delays.
Evaluation and approval by a mortgage underwriter involves reviewing your financial documents and credit history to assess your risk as a borrower.
The underwriter verifies that you meet the lender’s guidelines and ensures the loan complies with regulatory requirements. Approval depends on factors such as income stability, creditworthiness, and the value of the property, ultimately determining whether you qualify for the mortgage.
The disbursement process involves the final step where the lender provides the loan funds to complete the home purchase.
Once all conditions are met and documents are signed, it’s time to celebrate. This process typically occurs on the closing day and allows you to officially take ownership of the property.
Working with a mortgage broker offers the benefit of access to a broad range of loan products from multiple lenders, which can help you find the most competitive rates and terms for your specific needs. Brokers often provide personalized service and guidance throughout the mortgage process, helping you navigate complex requirements and paperwork, and they may be able to secure lower fees or better deals compared to working directly with a wholesale lender. Overall, working with a mortgage broker can be more cost-effective and provide a wider selection of options.
Our Value
Alone we can do so little, together we can do so much.
To create accessibility and convenience in housing finance for all individuals, enabling them to fulfill their dream of homeownership.
Prioritize service quality and customer satisfaction by offering an efficient, fast, and hassle-free mortgage experience.
Unlocking Homeownership Dreams Together. Provide innovative, affordable, and tailored housing finance solutions that meet clients' needs.
Services
Flexible, adaptable, and adjustable plans to fit your needs.
We offer flexible, adaptable, and adjustable plans designed to fit your unique needs, ensuring that our mortgage solutions are tailored specifically to your financial situation and homeownership goals, making the entire process smooth and personalized from start to finish.
1500k+
2024
What we offer
Mortgages so simple, you see what you get.
FHA loans typically have more lenient qualification requirements. To be eligible for a 3.5% down payment, you generally need a minimum credit score of 580. If your credit score is between 500 and 579, you might still qualify for an FHA loan, but you'll need to make a 10% down payment.
- Credit score 580
- Minimum down payment of 3.5%
- Debt-to-Income Ratio 46%-56%
- Home must meet FHA's standards for safety
An FHA 203(k) loan is a type of mortgage that allows borrowers to finance both the purchase of a home and the cost of its renovation through a single loan. This program is designed to help homebuyers and homeowners improve their property while keeping the financing process straightforward and manageable.
- Credit score 580
- Minimum down payment of 3.5%
- Must be a primary residence
- $35,000 Maximum for renovation & to be completed within 6 months
A conventional loan is a type of mortgage not backed by a government agency, such as FHA or VA. It is typically offered by private lenders and requires a higher credit score and down payment compared to government-insured loans. Conventional loans come in fixed-rate or adjustable-rate options and often have stricter eligibility requirements but can offer more flexibility and potentially lower costs in the long run.
- Minimum credit score 620
- Down payment between 3% to 20%
- Debt to Income Ratio 43%
- Avoid PMI Possibility
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help military veterans, active-duty service members, and certain other eligible individuals buy or refinance a home. It typically requires no down payment and offers favorable terms, such as competitive interest rates and no private mortgage insurance (PMI) requirements. VA loans also have flexible credit standards and lower closing costs.
- Credit score of at least 620
- Must be an active member, veteran or a qualifying family
- Stable income
- Loan includes a VA funding fee
A USDA loan is a mortgage program backed by the U.S. Department of Agriculture, aimed at helping low- to moderate-income borrowers purchase homes in eligible rural and suburban areas. It offers benefits like no down payment requirement, competitive interest rates, and low mortgage insurance costs. USDA loans are designed to promote homeownership in less densely populated areas.
- Credit score of 640
- Household income below 115% of area median
- Property located in rural area
- Debt to Income below 41%
A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Because they are not backed by these government-sponsored entities, jumbo loans typically have stricter credit requirements, higher interest rates, and larger down payments. They are used for purchasing high-value properties or in areas where home prices are particularly high.
- Credit score of at least 700
- At least 20% down
- Must have substantial income and asset
- Debt to Income Ration lower than 43%
A bank statement loan is a type of mortgage designed for self-employed borrowers or those with irregular income who may not have traditional income documentation. Instead of relying on W-2s or tax returns, lenders use bank statements to verify income. This type of loan can be useful for individuals with strong cash flow but non-traditional income sources.
- Credit score from 620 to 700
- 12 to 24 months personal/business bank statements
- Up to 20% down payment
- Debt to Income Ratio below 45%
A DSCR loan, or Debt Service Coverage Ratio loan, is a type of mortgage where the borrower’s ability to repay the loan is assessed based on the property’s income potential rather than their personal income. The DSCR is calculated by dividing the property’s net operating income by the total debt service. These loans are often used for investment properties and commercial real estate.
- Credit score at least 620
- Down payment of 20% to 30%
- Income generated should cover mortgage to at least 1.2x
- Debt Service Coverage Ratio (DSCR)
Mortgage refinancing involves replacing an existing mortgage with a new one, typically to secure better terms such as a lower interest rate or different loan duration. This process can reduce monthly payments, shorten the loan term, or allow access to home equity for other financial needs.
- .Cash out or rate-and-term
- Reduce monthly payment
- Access to home equity
- Shorter loan term
How it Works
Let us help you get your home today.
Our experienced mortgage specialists are here to simplify the financing
process, providing expert guidance and tailored solutions to help you
secure the best mortgage for your new home.
Why Choose us
We’re a small mortgage lender with long-standing relationships.
Choosing us for your mortgage needs also means choosing professionals with over 12 years of industry experience in navigating the market, access to a wide range of lenders and loan products, and the ability to handle complex scenarios efficiently. Our extensive knowledge ensures you receive competitive rates and valuable guidance throughout the mortgage process.
Listing Property
Our company boasts on it’s extensive access to the real estate market, leveraging a broad network of industry connections and resources to offer clients a wide range of property options and valuable market insights.
Jakarta Garden City House & Residence
- 2
- 2
- 2
- 1472 sqft
Asya Apartment and Office Tower
- 2
- 2
- 2
- 1472 sqft
Ambassador Tower and Office
- 2
- 2
- 2
- 1472 sqft
Lokamaya Green House & Apartment
- 2
- 2
- 2
- 1472 sqft
We are committed to guiding you every step of the way, ensuring you receive dedicated support and expert assistance throughout your journey.
Our dedicated loan concierge at Jubilee Home Lending Group provides personalized, hands-on assistance to ensure a seamless and efficient mortgage experience tailored to your specific needs.
We offer flexible rates and competitive fees to provide you with ideal financing options that fit your budget and financial goals.
Talk with a Lending Specialist.
Ready to explore your mortgage options? Fill in your information here and a Lending Specialist will get in contact with you to get you started on making your homeownership dreams a reality!”
Testimonial
Client Feedback
We work tirelessly to earn your reviews by delivering exceptional service and exceeding expectations at every step. Your feedback is invaluable to us, as it reflects our dedication and helps us continue to enhance our services.
Frequently Asked Questions:
The first step is to assess your financial situation and gather necessary documents, then contact lenders to discuss your options.
You typically need pay stubs, W-2 forms, tax returns, bank statements, proof of assets, and information about debts.
Use a mortgage calculator to estimate your monthly payments based on your income, debt, and the loan amount. Lenders also consider your debt-to-income ratio.
Pre-approval is a lender’s conditional commitment to loan you a certain amount. It strengthens your position as a buyer and helps you set a budget.
Pre-approval can take anywhere from a few hours to a few days, depending on the lender and your financial information.
Factors include your credit score, loan amount, down payment, loan type, and current market conditions.
A down payment is the upfront amount you pay toward the home purchase. It typically ranges from 3% to 20% of the purchase price.
Yes, but it may be more challenging. Consider FHA loans, which have more flexible credit requirements.
Closing costs include fees for appraisals, title insurance, and more, usually ranging from 2% to 5% of the loan amount.
A mortgage rate lock is an agreement with your lender to secure a specific interest rate for a certain period while your loan is processed.
A fixed-rate mortgage has a consistent interest rate throughout the loan term, while an adjustable-rate mortgage has a rate that can change after an initial fixed period.
An appraisal is an evaluation of the property’s value conducted by a licensed appraiser to ensure it meets the loan amount.
Homeowners insurance protects your home against damages and liabilities. Most lenders require it as part of the mortgage agreement.
Consider factors like interest rates, fees, customer service, and the lender’s reputation. It’s also helpful to get recommendations.
A home inspection assesses the property’s condition. It’s important to identify any issues before finalizing the purchase.
The lender will review your financial information, conduct a credit check, and may order an appraisal before making a decision.
Contingencies are conditions that must be met for the sale to proceed, such as securing financing or passing a home inspection.
Responsibilities include making mortgage payments, paying property taxes, maintaining the home, and keeping insurance up to date.