Are you dreaming of owning your own home, but traditional mortgage terms are leaving you feeling constrained? At Oasis Home Mortgage, we understand that each homeowner’s journey is unique, and that’s why we offer innovative solutions to make your dream home a reality. Our 40-year term loan program is designed to provide you with flexibility, affordability, and the opportunity to invest in the home of your dreams.

Explore Your Options:

1. 40 Year Fully Amortized Loan (480 months):

  • Fully amortized for the entire fixed term.
  • Enjoy the benefit of a lower monthly payment.
  • Increase your home affordability without compromising on financial stability.
  • A strategic choice for those seeking a steady, long-term investment.

2. 40 Year Interest Only (first 10 years IO followed by 30 year fixed):

  • Initial interest-only payments for the first 10 years.
  • Followed by a stable 30-year fixed rate.
  • Ideal for those looking for flexibility in their early years of homeownership.
  • Balances affordability with long-term financial planning.

Available Programs:

Choose from a range of programs tailored to suit your unique financial situation:

  • Full Doc:
    • Traditional documentation process for comprehensive financial verification.
  • Alternative Doc:
    • Options include Bank Statements, 1099, Asset Utilization, and Verification of Employment (VOE).
    • Streamlined processes for those with non-traditional income sources.
  • DSCR (Debt Service Coverage Ratio):
    • Designed for investors and individuals with rental properties.
    • Evaluate your ability to cover mortgage payments based on property income.

Why Choose Oasis Home Mortgage?

  • Flexibility:
    • Tailor your mortgage to fit your financial goals and lifestyle.
  • Affordability:
    • Our 40-year term loans provide lower monthly payments, making homeownership more accessible.
  • Expertise:
    • Trust in our experienced team to guide you through the mortgage process with ease.

At Oasis Home Mortgage, we believe in empowering our clients to achieve their homeownership dreams. Whether you’re a first-time buyer or a seasoned investor, our diverse loan programs cater to your unique needs. Take the first step towards a brighter future – explore the possibilities with Oasis Home Mortgage today!