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Since 1994

Tu Casa is the original brokerage in Salem, Oregon known for serving the greater part of the spanish-speaking community. With the entire team of brokers and agents being bilingual in both English and Spanish, Tu Casa continues to hold true to it's mission for 30 years.

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Tu Casa es la agencia de corretaje original en Salem, Oregón, conocida por servir a la mayor parte de la comunidad que habla español. Con todo el equipo de corredores y agentes bilingües en inglés y español, Tu Casa continúa siendo fiel a su misión por 30 años.

Modern Hillside House

Align with your Objectives

At Tu Casa we connect you with experienced and trusted lenders who offer a multitude of loan programs that best fit your goals. Below are some common loan programs used to purchase a home.

Modern House Exterior

0% Down FHA

Pros

  • No downpayment needed, ideal for buyers with limited savings

  • Easier credit qualification compared to conventional

  • Allows higher debt‑to‑income ratios, helping more buyers qualify

Cons

  • Monthly mortgage insurance (MIP) is required for the life of the loan

  • Higher loan balance because down payment is financed

Beautiful House

3.5% Down FHA

Pros

  • Lower monthly payment than 0% down FHA

  • Slightly better equity position from day one

  • Still flexible credit and DTI requirements

Cons

  • MIP still required for life of loan (unless 10%+ down)

  • More cash needed upfront than 0% down

House

5% Down Conventional

Pros

  • No lifetime mortgage insurance — PMI drops once you hit 20% equity

  • More flexible on property condition

  • Better for higher credit scores (Lower PMI)

Cons

  • Higher credit score requirements

  • More cash needed upfront

Adriana Garcia

"Joan Carrillo was our realtor. First time buyer, had no clue who I was contacting but I am forever grateful I reached out. Through the first day to the very last day he kept us updated, and helped throughout the whole process."
Home Exterior

Sell or Purchase a Home

Do you have steady employment?

Do you have credit history?

Contact us today so we can connect you with trusted lenders.

Already a homeowner and ready to sell? 

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Tienes un empleo estable?

Tienes historial crediticio?

Contáctenos hoy para que podamos conectarlo con prestamistas confiables.

¿Ya es propietario y está listo para vender?

Thanks for submitting! We'll send you a text soon!

Suburban Neighborhood Aerial

Find Your Home With Tu Casa

Finding the right home can be difficult.

Allow our team to do all the heavy lifting.

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Encontrar la casa adecuada puede resultar complicado.

Permita que nuestro equipo hagan todo el trabajo pesado.

Concrete Porch

Visit Us In
Salem, Oregon

Fill out a form above and explore your home buying or selling opportunities today.

 

Complete el formulario anterior y explore las oportunidades de compra o venta de su casa hoy.

1605 Fairgrounds Rd NE, Salem, OR 97301, USA

1605 Fairgrounds Rd NE, Salem, OR 97301, USA

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©2020 by Tu Casa Real Estate

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