Fine Home Loan · Home loans with Weber Mortgage
Understand your loan options, estimated payment, and next steps—with personal guidance throughout the process.
Loan options
Pick the goal closest to yours. Each page explains who the loan fits, what it costs, and what to have ready.
Conventional loans with low down payment options for first-time buyers.
See how it works →VA loanFor veterans, service members, and eligible surviving spouses.
See how it works →USDA loanFor moderate-income buyers in eligible rural and suburban areas.
See how it works →Investor and DSCRLong-term and vacation rentals, qualified on the property's rent.
See how it works →HELOCA line of credit that leaves your current mortgage in place.
See how it works →Not sure yetAnswer four quick questions and Brian will recommend a fit.
See how it works →| Loan | Down payment | Mortgage insurance | Typical credit | Best for |
|---|---|---|---|---|
| Standard (conventional) | From 3% | PMI under 20% down; removable | 620+ | Steady income and fair-to-strong credit |
| VA | None required | None (one-time funding fee) | No VA minimum | Veterans, active duty, and eligible surviving spouses |
| USDA | None required | 0.35% per year plus 1% upfront | No USDA minimum | Moderate-income buyers in eligible areas |
| Investor / DSCR | 15% to 25% | None | Usually 660+ | Rental and vacation property investors |
| HELOC | Uses your equity | None | Usually 680+ | Homeowners who want to keep their first mortgage |
Before you commit
Before you sign anything, Brian walks you through the four things that decide what a loan really costs. If you already have a Loan Estimate from another lender, bring it. He'll go through that one with you too.
The interest rate, any discount points you are paying for it, and whether it is locked and until when.
Principal and interest plus property taxes, homeowners and wind insurance, and mortgage insurance when it applies.
Which charges come from the lender, which are services you can shop for, and which are prepaid taxes and insurance.
The three-page form every lender must give you, read line by line so you can compare offers fairly.
Shows principal, interest, taxes, insurance, and mortgage insurance when it applies. Results are estimates.
Estimates only. Your actual rate, APR, and payment depend on credit, loan amount, property, and market conditions. PMI is estimated at 0.6% per year when a conventional down payment is under 20%.
The Loan Estimate
A Loan Estimate is a standard three-page form that lenders must send within three business days of receiving your application. Because every lender uses the same form, it is the easiest way to compare offers.
The Consumer Financial Protection Bureau encourages borrowers to compare Loan Estimates from more than one lender. Request them on the same day, since rates change daily. Read the CFPB's Loan Estimate guide
Ask Brian to review a Loan EstimateWhat happens next
A no-pressure conversation by phone or in person about the home you want, your budget, and your timeline. No credit check.
Brian compares loan programs side by side, with estimated payments, cash to close, and the trade-offs of each.
Complete the secure application and upload pay stubs, W-2s, and bank statements. You receive a Loan Estimate within three business days of applying.
Brian keeps you updated through appraisal and underwriting. Your Closing Disclosure arrives at least three business days before closing so you can compare it with your Loan Estimate.
Meet your loan officer
I spent years inside Gulf Coast homes as a licensed home inspector and certified building inspector, and helping families as an insurance agent. Now I bring that experience to your mortgage. Roof age, wind mitigation, flood zones, and insurance costs are part of your plan from the first conversation, so they are not a surprise at closing.
You will have my direct line from start to finish. Call or text me at (251) 616-0005.
Buyer answers
It depends on the loan. VA and USDA loans do not require a down payment for eligible borrowers, conventional loans start at 3% for qualifying first-time buyers, and investment properties usually need 15% to 25%. On a conventional loan, putting down less than 20% usually adds private mortgage insurance, which can be removed later.
Most conventional loans look for a score of 620 or higher. VA and USDA loans have no government-set minimum, though lenders usually look for about 580 to 640. A higher score generally means a lower rate and lower mortgage insurance cost.
Closing costs often run about 2% to 5% of the loan amount. They include lender charges, third-party services such as the appraisal and title work, government recording fees and taxes, and prepaid homeowners insurance and property taxes for your escrow account. Florida adds documentary stamp and intangible taxes on new mortgages. Your Loan Estimate lists every charge.
Complete the secure application, authorize a credit check, and upload your income and asset documents. After review, you receive a preapproval letter showing how much you can borrow, subject to conditions such as an appraisal and final underwriting.
Most borrowers need 30 days of pay stubs, two years of W-2s, two months of bank statements, and a photo ID. Self-employed borrowers add two years of tax returns. VA buyers add a DD-214 or statement of service.
Prequalification is a quick estimate based on what you tell us. Preapproval means your credit, income, and assets have been reviewed, so sellers and real estate agents treat your offer more seriously.
A common starting point is keeping your total monthly housing payment, including taxes and insurance, near 28% of your gross monthly income and all monthly debts under about 43% to 45%. Some programs allow more. Try the payment calculator on this page, then get preapproved for an exact number.
Yes. Money for My Home began as Brian Lehmann's mortgage website at moneyformyhome.com. That web address is now owned by someone else and is not connected to Brian. Fine Home Loan is where Brian's Money for My Home continues today, with Weber Mortgage, NMLS #219938.
Our story
Money for My Home began as Brian Lehmann's mortgage website at moneyformyhome.com. That web address has since been bought by someone else and is no longer connected to Brian in any way.
Fine Home Loan is where Money for My Home continues today. If you found Brian through the original site, or a friend sent you his way, you're in the right place: same loan officer, same personal service, now with Weber Mortgage, NMLS #219938.
Brian Lehmann is not affiliated with the current moneyformyhome.com.
Talk with a loan officer
A first conversation usually takes about 15 minutes and does not involve a credit check. Bring your questions, a rough budget, and any home you have in mind.