Unlock the Door to Your Dream Home with Darren & MICHELE Sager!

Expert Mortgage Solutions Nationwide

  • 620 FICO
  • 2 Year Work History
  • 1-4 Units
  • Primary, 2nd, Investment
  • Fannie Mae/Freddie Mac

CONVENTIONAL

  • 580 FICO
  • 2 Year Work History
  • 1-4 Units
  • Primary Residence Only
  • Higher DTI Limits

FHA

  • 620 FICO
  • 203k and Homestyle
  • Funds for Purchase & Reno
  • General Contractor Required
  • Longer Closing Turnaround

RENOVATION

  • 660 FICO
  • 1 Year Self Employment OK
  • 12 Months Bank Statements
  • No Taxes, Paystubs, W2s

BANK STATEMENT

  • 660 FICO
  • 75% of 1099 Income
  • Independent Contractors
  • 1-4 Units
  • No Taxes, Paystubs, W2s

1099 ONLY

  • 680 FICO
  • No Employment Required
  • 1-4 Units
  • Proof of Liquid Assets Only
  • Includes 401k & Bitcoin

ASSET QUALIFIER

LOAN PROGRAMS

  • 580 FICO
  • 2 Year Work History
  • 1-4 Units
  • Primary Residence Only
  • US Military Veterans
  • No PMI or MIP

VA

  • 600 FICO
  • 2 Year Work History
  • 1-4 Units
  • Primary Residence Only
  • Rural Areas Nationwide
  • Annual Fee

USDA

  • 680 FICO
  • Uses Cash Flow from Subject
  • Investment Properties Only
  • No Landlord History Required
  • No Taxes, Paystubs, W2s

CASH FLOW/DSCR

  • 600 FICO
  • Standard FHA Qualification
  • 1.5% Origination Fee
  • Primary Residence Only
  • No Income Limits

DOWN PAYMENT ASSISTANCE

Choose the Perfect Loan for Your Home: From Conventional to Government-Backed Options like FHA, VA, and USDA, we offer tailored solutions for every homebuyer. Discover the right fit for your journey!

HOME LOANS IN ALL 50 STATES

  • Strategic Financial Planning for Homeownership Success
  • Foundations of Financial Readiness for Homebuyers
  • Financial Preparation for Homebuyers is vital to ensure a successful home purchase. Start by reviewing your credit score and establishing a budget that incorporates the down payment, monthly mortgage obligations, and additional homeownership expenses. We can help you get a mortgage preapproval letter from Brighton Bank, explore various loan options, and start saving for the down payment and closing costs.

PREPARING FINANCIALLY

  • Prepare for moving expenses and fine-tune your monthly budget to accommodate homeownership costs. Obtain homeowners insurance quotes and research property taxes in your desired area. Don't forget to allocate funds for home maintenance and repairs. Seeking guidance from a financial advisor and your Realtor can be invaluable. Keep a vigilant eye on your income and expenses and avoid making any large purchases or taking out any new credit lines or loans. Financial preparedness is a crucial aspect of your home-buying journey, and Brighton Bank is ready to assist with the preapproval process, facilitating a well-informed real estate investment decision.

Michele Sager

Mortgage Loan Officer

NMLS #: 2474792


Darren Sager

Mortgage Loan Officer

NMLS #: 2471507


Anna Maciejewski

Partner & Sales Manager

NMLS #: 1769895


MEET THE TEAM

With over 25 years of experience since 1997, Darren & Michele Sager and Anna Maciejewski are leading experts in the real estate and home financing sectors, operating a successful real estate team in 21 states. As Federal Mortgage Loan Officers, their services span all 50 states, providing top-tier advice for home financing and real estate investments nationwide. As ICON agents with eXp Realty, their expertise is recognized through significant achievements, including Darren's recognition as the highest Gross Commission Income (GCI) earner for an individual agent in New Jersey in 2019 and features on esteemed platforms like the BiggerPockets podcast. Specializing as investor-friendly agents, they offer invaluable insights into real estate investing, making them ideal partners for both new and experienced investors. Their profound understanding of the market, combined with a track record of excellence, positions them as your trusted guides in navigating the complexities of buying, selling, and investing in real estate.

We're here to support you

Ready for a Personalized Consultation? Schedule your free, no-obligation call with Darren today and take a step closer to your dream home.

State of the art application

  • "Darren & Michele made our home-buying process a breeze! We never knew getting a mortgage could be this straightforward."

Sebastian Beckner

  • "From application to closing, Darren and Michele were there every step of the way. Thank you for making our dream come true!"

Jionte Myrtle

  • "As first-time homebuyers, we were overwhelmed with the mortgage process. Darren was a lifesaver! He explained everything in terms we could understand and helped us secure the perfect loan. We couldn't be happier in our new home!"

Lynn Kim

Client Testimonials

See what our satisfied customers have to say about us!

Need help finding your next home?

Our trusted Real Estate partners are ready to serve you!

Licensed in Florida

& New Jersey

The

Sager

Team

START YOUR

APPLICATION TODAY!