our

Financial services

Explore a full range of financial services designed to meet your unique needs. From home loans and refinancing to personal, you’ll find flexible options and expert guidance every step of the way.

FINANCING

Ready to take control of your home financing?

With deep expertise in both real estate and mortgage lending, I take a personalized approach to financing. I ask the right questions to understand your unique goals, then match you with the right products to set you up for long-term success. With over 15 years as a Real Estate Broker and a multicultural, multilingual approach, I ensure every client feels heard, understood, and confident throughout the process.

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Comprehensive Financial Services

Mortgage & Retirement Solutions

We offer a wide range of services designed to support your financial goals. Whether you're buying, selling, or managing property, securing the right mortgage, protecting your assets, or planning for the future, our experienced team is here to help. Contact us today to learn more and get the expert guidance you need.

Mortgage Services

Take the First Step Towards Your Purchase or Refinance Loan Approval.
Discover tailored mortgage solutions built around your needs, making the process straightforward and stress-free.
Get in touch today for personalized mortgage guidance and loan products designed specifically for you.

Insurance Services

Your Property Deserves the Right Protection.
Whether it's your family home or your thriving business, we offer personalized residential and commercial insurance solutions to safeguard what matters most.
Reach out for expert advice and coverage tailored to your specific needs.

Financial Services

Comprehensive Financial Security:
Life Insurance with Living Benefits, Mortgage Insurance, and Tax-Free Retirement Policies.
Get in touch today for a personalized consultation and discover how our tailored products designed to protect what matters most.

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Our Process

Home Loans Tailored Your Way!

FIRST TIME HOMEBUYERS

How exciting it is to buy your first home. I’ll help you, along with an outstanding support team, navigate the home loan process so you have the very best experience and learn about your homeownership options.

CONVENTIONAL

Conventional loans allow for 3% down and typically are fixed in terms and rate. Usually, a good-to-great credit score is needed to get the lower rates featured with Conventional loans. (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

Key Benefits of FHA Loans

FHA loans feature down payments as low as 3.5, low closing costs, and easier credit qualifications. Great for first time homebuyers! (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

Lower Down Payment

FHA loans are known for their lower down payment requirements - as low as 3.5% if your credit score is 580 or higher. This lower upfront cost can make homeownership a more immediate reality for many buyers.

Flexible Credit Requirements

FHA loans come with more lenient credit requirements compared to conventional loans, making them an excellent choice for those with lower credit scores. Even if your credit isn't perfect, you could still qualify for an FHA loan.

Debt-to-Income Ratio Flexibility

FHA loans offer more flexibility with debt-to-income ratios. This means that even if you have a higher amount of debt compared to your income, you may still qualify.

Assumability

FHA loans are assumable, meaning a future buyer can take over your loan with its interest rate and terms intact. This can be a significant advantage when selling, especially in a rising interest rate environment.

Our

Loan Products

VA Home Loan Benefits for Active Service Members and Veterans

At The Razi Group, we recognize the immense sacrifices made by our military personnel. Whether you are an active service member or a veteran, you've earned not just our gratitude but also significant benefits through the VA Home Loan program. Let's explore the special advantages this program offers to those who have bravely served our country.

No Down Payment Requirement

One of the most significant benefits of a VA loan is the ability to purchase a home with zero down payment. This is a substantial advantage that allows you to become a homeowner without needing to save a large amount of money upfront.

No Private Mortgage Insurance (PMI)

Conventional loans typically require private mortgage insurance when the down payment is less than 20% of the home's value. With a VA loan, there's no PMI requirement, which can save you a considerable amount of money over the life of the loan.

Flexible Qualification Standards

The VA program has more flexible qualification standards compared to conventional loans. Even if you have a lower credit score or a higher debt-to-income ratio, you may still qualify for a VA loan.

Closing Cost Limits

The VA also limits how much you can be charged in closing costs, making it more affordable to close on your new home. In some cases, the seller may even agree to pay all closing costs.

Understanding USDA Mortgages

At The Razi Group, we believe everyone should have the opportunity to own a home, regardless of where they choose to live. If you're dreaming of a home in a rural or suburban area, a USDA mortgage could be your key to homeownership. Let's explore what a USDA mortgage is and how it could benefit you.

No Down Payment Requirement

One of the most appealing aspects of a USDA mortgage is the potential for 100% financing, meaning you don't need to make a down payment. This can make homeownership more attainable, especially for first-time homebuyers.

Low Interest Rates

USDA mortgages often come with lower interest rates compared to conventional loans. This means lower monthly mortgage payments and potentially saving thousands of dollars over the life of your loan.

Flexible Credit Guidelines

USDA loans typically have more flexible credit requirements than conventional loans, which can make qualifying easier if you have less-than-perfect credit.

Use for New and Existing Homes

You can use a USDA loan to purchase a new construction home, an existing home, or even to refinance your current mortgage.

Creative Financing

Go big or go…home! A jumbo loan can go up to seven figures, which works if you’re buying in a high-cost area or if you just want to go big.

Flexible Loan Amounts for High-Value Homes

Jumbo loans are designed for buyers seeking financing that exceeds conventional loan limits, making them ideal for luxury or high-priced properties. With a Jumbo loan, you can secure the funds needed for your dream home without multiple mortgages or excessive restrictions.

Competitive Rates with Tailored Solutions

Despite their larger size, Jumbo loans often offer competitive interest rates—especially for well-qualified buyers. Lenders may also provide customized terms based on your financial profile, giving you more flexibility and control over your long-term investment.

No Private Mortgage Insurance (PMI) Required

Unlike many conventional loans, most Jumbo loans don’t require private mortgage insurance—even with a lower down payment. This can result in significant monthly savings and greater affordability over time for high-credit borrowers.

Ideal for High-Income Earners with Complex Finances

Jumbo loans are well-suited for professionals and self-employed individuals with strong income but unconventional documentation. Lenders offer flexible underwriting that considers your full financial picture, making it easier to qualify without fitting into a one-size-fits-all model.

Loan Application Form

We specialize in providing flexible and competitive financing options for your real estate needs. Whether you’re buying your first home, investing in rental properties, or refinancing your existing mortgage, we’ve got you covered.

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Ready to take

The next step?

Whether you're buying a home, refinancing, or planning for retirement, we’ll take a deep dive into your unique situation and tailor a solution that fits your goals.

Let's Get Started