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TU CASA REAL ESTATE
Your Bilingual Oregon Real Estate Agency Since 1994
Tu Agencia Bilingüe de Bienes Raíces de Oregon Desde 1994
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.
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.
0% Down FHA
Pros
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No downpayment needed, ideal for buyers with limited savings
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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
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.
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
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
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
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More cash needed upfront
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?
Tienes un empleo estable?
Tienes historial crediticio?
Contáctenos hoy para que podamos conectarlo con prestamistas confiables.
¿Ya es propietario y está listo para vender?
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