Superior Home Loans, Inc.

Helping You Get a Home Loan

! Call us today to inquire about our services and request for free quotes and estimates.

813-291-0039

WHAT DO YOU NEED HELP WITH? WE CAN HELP YOU WITH
THE DIFFERENT SCENARIOS BELOW AND MANY MORE!

PURCHASE A HOME

Purchasing a home has many benefits: it is great to be able to call a place your own, to personalize it any way you like, and to put down roots in a community. Plus the tax advantages.


We work with lenders that have many loans programs from which to chose. We simply need to get some basic information about your situation and we can advise you exactly what loan programs for which you qualify.

CASH-OUT REFINANCE

Obtaining a cash-out refinance will allow you to secure funds for debt consolidation, home improvement, investments or really any reason you want! Our lenders have many loan programs. They can go up to 100% loan-to-value like the VA cash-out program!


In some cases even over 100% current loan-to-value is available for home improvements with FHA's 203K loan. Simply contact us for more information or to apply!

RATE/TERM REFINANCE

A rate/term refinance is exactly that. It's used to usually get you out of adjustable rate mortgage to a fixed rate mortgage, reduce your rate or reduce/extend your term; or all of the above. Usually it's used to obtain a lower payment. It can also be serve in situations where it's necessary to remove a borrower from title.


For conventional loans the allowed LTV's are generally as high as allowed "Purchase loan" LTV's. For FHA and VA see Interest Rate Reduction Refinance, or IRRRL. And, see FHA Streamline Refinance for more information.

INTEREST RATE REDUCTION REFINANCE (IRRRL)

The IRRRL is a very popular VA program. You must have a current VA loan to qualify. It's simply a rate reduction loan where you will lower your interest rate. Term reduction can be a factor in this loan program as well.


Closing costs and prepaid taxes and insurance can be rolled into the loan so there is no out-of-pocket expense in most cases!


Contact us for more information or to apply!

FHA STREAMLINE
REFINANCE

FHA's Streamline refinance is similar to the VA IRRRL. It's mainly used to lower your interest rate or term. It's also used to refinance from and adjustable rate to a fixed rate. Like the IRRRL you must be a current FHA borrower and you are refinancing the same loan in your "owner-occupied" home.


Please contact us for more information or to apply!

NON-QM PURCHASE OR REFINANCE

Do you have some dings in your credit. Or do you have hard-to-prove income? Are you self-employed? If you answered "yes" to any of these questions - we can help! Non-prime loans are available in unique cases. Interest rates are usually higher than other loan programs just so you know. Simply contact us for more information or to apply!

Get in Touch