At Divito Lending we separate ourselves from other mortgage lenders by offering exceptional customer service and a broad selection of home financing products. From loans for first-time homebuyers to refinance programs for accessing your home’s equity, Divito Lending can help you achieve your goals.
First, ask yourself what your home financing goal is. Are you:
Below are listings of our purchase and refinance programs. Should you have any questions, don’t hesitate to contact us. We’ll be happy to walk you through our home loans and the financing process.
A conventional loan is a mortgage loan that’s not backed by a government agency. Conventional loans are broken down into “conforming” and “non-conforming” loans.
Conforming conventional loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). However, some lenders may offer some flexibility with non-conforming conventional loans.
The loan is called a jumbo loan because the amount is higher than conventional lending limits, which is the maximum amount that Fannie Mae and Freddie Mac will purchase in the secondary market.
A Federal Housing Administration (FHA) loan is a mortgage that is insured by the Federal Housing Administration (FHA) and issued by an FHA-approved lender. FHA loans are designed for low-to-moderate-income borrowers; they require a lower minimum down payment and lower credit scores than many conventional loans. An FHA home loan is a flexible mortgage program offered by Divito Lending. FHA home loans are insured by the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD).
In a word, a reverse mortgage is a loan. A homeowner who is 62 or older and has considerable home equity can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment or line of credit. Unlike a forward mortgage—the type used to buy a home—a reverse mortgage doesn’t require the homeowner to make any loan payments.
A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.
Refinancing a mortgage involves taking out a new loan to pay off your original mortgage loan. In many cases, homeowners refinance to take advantage of lower market interest rates, cash out a portion of their equity, or to reduce their monthly payment with a longer repayment term
2700 North Federal Highway Suite 503 Boynton Beach FL 33435
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Yes, we have to include some legalese down here. Divito Lending Group Inc. (DBA Mortgage-Genius in (Boynton Beach, Florida) (“Divito Lending”), a Florida corporation, is a licensed independent Mortgage broker. Divito Lending does not underwrite any Mortgage policy described on this website. The information provided on this site has been developed by Divito Lending for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any Mortgage policy premium quotes or ranges displayed are non-binding. The final Mortgage policy premium for any policy is determined by the underwriting Mortgage company following the application.
