Start Your Own Legacy Today
We are proud to have assisted many families, like ours, achieve their goals of home ownership.
Start Your Own Legacy Today
We are proud to have assisted many families, like ours, achieve their goals of home ownership.
Services
About Us
Reverse Mortgages & DSCR Investor Loans
Loan Products & Programs
We started Legacy Financial for one reason, straight talk about mortgage financing. In 2004, we bought our first home and used the Big Box Lending machine that was recommended to us by a “trusted source”. The day of closing was the eye-opening moment that motivated us to enter into this loosely professional field when the loan wasn’t del
We started Legacy Financial for one reason, straight talk about mortgage financing. In 2004, we bought our first home and used the Big Box Lending machine that was recommended to us by a “trusted source”. The day of closing was the eye-opening moment that motivated us to enter into this loosely professional field when the loan wasn’t delivered as promised and there was nothing, we could do about it (moving truck in the driveway & Baby in my lap). We vowed this would never happen to good people trying to make their dreams come true by committing to service and respect.
Loan Products & Programs
Reverse Mortgages & DSCR Investor Loans
Loan Products & Programs
- First-time Home Buyer
- Low Down Payment Purchase Options
- Jumbo Home Loan
- FHA Home Loan
- VA Home Loan
- Fixed Rate Mortgage
- Investment Property Loans
- Rehab Loan
- USDA Loan
- Refinance
- Cash Out Refinance
- VA Loan Refinance Options
Reverse Mortgages & DSCR Investor Loans
Reverse Mortgages & DSCR Investor Loans
Reverse Mortgages & DSCR Investor Loans
A reverse mortgage is a financial product specifically designed for homeowners aged 62 and older. It allows them to convert a portion of their home equity into tax-free* cash without the need to sell their home, give up title, or make monthly mortgage payments. Instead, the loan balance increases over time as interest accrues on the amoun
A reverse mortgage is a financial product specifically designed for homeowners aged 62 and older. It allows them to convert a portion of their home equity into tax-free* cash without the need to sell their home, give up title, or make monthly mortgage payments. Instead, the loan balance increases over time as interest accrues on the amount borrowed.
DSCR stands for the debt-service-coverage ratio, a highly scrutinized metric often used to underwrite long-term financing.
DSCR is calculated by dividing net operating income (NOI) by total debt service (TDS).
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