Mortgage Lenders | Imperium Lending | Troy

​Find out how much home you can afford right NOW!

Get a FREE quote on a Jumbo Loan & save thousands of dollars per year.

Mortgage Home Purchase Loans without the Hassle!
Congratulations! You're ready to buy a home
Need financing options on a home, or another real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether you’re a first-time homebuyer or a seasoned investor.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

1. ​ Fixed Rates

2. Low Down Payment

3. Adjustable-rate Mortgage (ARM)
4. Reduced Lender Fees