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For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates. We offer a variety of conforming mortgage loan products. 
Highlights:
- No upfront mortgage insurance
- No mortgage insurance with 20% down payment or lender paid mortgage insurance
- Competitive interest rates
- Minimum credit score of 620
- Primary, secondary or investment properties
- National loan limit of $715,000
- Underwritten in-house
Contact us to discuss your financing requirements.
FHA is a government agency that was created in 1934 to help facilitate growth in loan opportunities, by allowing an alternative to purchase a home with as little as 3.5% down payment and less than perfect credit.
Highlights:
- As little as 3.5% down payment- funds can be a gift from a family member
- Less than perfect credit score
- Flexible debt to income ratios
- Seller contribution to closing cost is allowed
- Minimum credit score 580
- Underwritten in-house
Contact us to discuss your financing requirements.
Our Jumbo loan products are designed for loan amounts up to 3.5MM.
Highlights: 
- Maximum Loan Amount: $3.5MM
- Maximum Loan-to-Value (LTV): 90%
- Primary Residence, Investment Properties and Second Home are eligible
- 15, 20, and 30 year Fixed Rate options
- 3/1 and 5/1 Arm Available
- Interest Only Option Available
- Underwritten in-house
Contact us to discuss your financing requirements.
Purchase or refinance option for any renovation project such as design updates or improvements, and even renovating accessory units like in-law suites or basement apartments.
Highlights: 
- Up to 97% Loan to Value
- For Purchase: Limited to 75%* of the lesser of the purchase price plus renovation costs, or the “as-completed” appraised value
- For Refinance: Limited to 75% of the “as-completed” appraised value.
- Can be used on ANY project
- Can finance accessory units (e.g. in-law suites, basement apartments, etc.)
- Applicable to manufactured homes
- Allows upfront draws
- Underwritten in-house
Contact us to discuss your financing requirements.
In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home.
Highlights: 
- Zero down payment
- No mortgage insurance
- Competitive interest rates
- Easy qualification criteria
- We are a veteran owned company (USMC)
- Underwritten in-house
Contact us to discuss your financing requirements.
Also known as Hard Money or Hard Equity Loans. Approval is based on property instead of credit
Highlights: 
- Fast approval process
- Approval based on property, not credit history
- More flexible
- The opportunity to fix and flip properties
- Can close in the name of a corporation
- Underwritten in-house
Contact us to discuss your financing requirements.
A Reverse Mortgage works like an annuity and can help you tap into the equity and enjoy a better quality of life through retirement.
Highlights: 
- Take out your equity now
- Eliminate mortgage payments
- Competitive interest rates
- 62 years or older
- Receive funds in a lump sum, credit line or monthly payments for life
- Underwritten in-house
Contact us to discuss your financing requirements.
Home Equity Loans
Highlights: 
A home equity line of credit, or HELOC, is a type of loan that allows you to draw funds as you need them and repay the money at a variable interest rate. Because of this, HELOCs are generally best for people who need funds for ongoing home improvement projects or who need more time to pay down existing debt. HELOCs typically have lower interest rates than home equity loans and personal loans.
For Home Equity Lines and Reverse Mortgages Call us 877-430-2274 or Contact via email
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Appraisal
When you purchase or refinance a home, you typically will be required to obtain an appraisal. Getting an appraisal done involves hiring a licensed appraiser who determines the value the property.
We only work with highly qualified residential appraisers. It is our policy that appraisers only receive orders for the county in which they are located. This helps ensure a thorough knowledge of the market. Appraisals must be paid prior to ordering. You must have already been given a Loan Estimate prior to being asked to pay for anything other than a credit report
About Us
of Capital International Financial
- To give ordinary folk the chance at the American dream
- To treat everyone as we would wish to be treated
- To remember that everything we do is for the greater glory of God
Founded January 22nd 1981 Granada Mortgage is a subsidiary of Capital International Financial, Inc (C.IF.I.) With over thirty 35 years of experience in providing loans, service, and expertise to home-buyers.
C.I.F.I upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets, C.I.F.I has remained steadfast in its mission to provide affordable home financing, unsurpassed service, and a dedicated workforce to meet our customers' needs. C.I.F.I was founded in 1981 as a mortgage Lender in Coral Gables, Florida. In its first decade, C.I.F.I went from Correspondent Lenders to Fannie Mae/ Freddie Mac Seller Servicers to further serve the needs of the community.
C.I.F.I offers residential mortgage lending solutions, including conventional, FHA, VA, Jumbo, Non-Qualitative Mortgages, Portfolio Mortgages, Renovation Mortgages and Reverse Mortgages for seniors..
CIFI is a Fannie Mae and Freddie Mac Seller Servicer, as well as a Full Eagle FHA Lender. C.I.F.I’s commitment to customer service, focus and innovation has positioned the company to serve our customers for many years to come. NMLS # 1036987.