About Cypress Realty & Mortgage
Welcome to Cypress Realty & Mortgage! We are a small shop located in Carlsbad California. Because we are not a huge Corporation, we can offer you personal, customized service. We are able to do a wide variety of Purchase and Refinance Loans. We can do small or very large home Loans for you. We are also California Real Estate Agents who can help you buy or sell a home.
Besides the regular Jumbo or Conforming loans we can also do Government Loans such as VA and FHA loans. VA home loans are for military veterans and sometimes require no money down and the seller can pay a large amount of the Closing Costs. A Certificate of Eligibility is required from the VA to do this loan. There are other details that are different from the Standard Fannie Mae and Freddie Mac loans which we will explain to you as needed. FHA home loans can be had for as little as 3.5% down and also have some unique qualities which we will walk you through.
You can also do the relatively new programs like HARP (Home Affordable Refinance Program) and the DU Refi Plus, which is very similar.
If you are over 62 and have solid equity on your Home, you may be a candidate for a Reverse Mortgage. You have probably seen Ads on TV about these loans.