Jim Bean
Mortgage Loan Originator
About
I’ve been in the mortgage business since 2001. I pride myself on doing what is honest and fair for both the customer and the company. I have a strong history of assisting and coaching my co-workers to have the same mentality. Specialties: I’m an expert in both conventional and government lending. I love the problem-solving aspect that accompanies the mortgage business in this day and age. I pride myself on knowing the ever-changing guidelines and being an expert in my field. I take the extra step and listen to my customers’ needs before presenting different products options to help them achieve their financial goals.
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
VA
Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
What My Clients Say
