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mortgages powered by capital federal credit union
At GenWealth Solutons LLC, we believe that everyone deserves the right to own a home. Through our partnership with Capital Federal Credit Union, we're committed to making homeownership accessible to all, regardless of where you are on your journey.
Manual Underwriting
Down Payment Assistance
Down Payment Assistance
For those with a minimum credit score of 580 and at least two years of work history, this option allows for a more personalized review of your financial situation.
Down Payment Assistance
Down Payment Assistance
Down Payment Assistance
We offer programs to help cover the costs of your down payment, making homeownership more attainable.
our versatile loan Products
CONVENTIONAL
Conventional loans are traditional mortgage products not backed by the government. They typically require a higher credit score and down payment but offer competitive interest rates and flexible terms for borrowers with strong financial profiles.
FHA
Backed by the government, FHA loans are designed for first-time homebuyers or those with less-than-perfect credit. They offer lower down payments and more lenient credit requirements compared to conventional loans.
VA
VA loans are a benefit offered to eligible veterans, active-duty service members, and certain military spouses. These loans typically require no down payment, have competitive interest rates, and don’t require private mortgage insurance (PMI). Backed by the Department of Veterans Affairs, VA loans are designed to make homeownership more accessible for those who have served our country.
USDA
USDA loans are designed to help low-to-moderate income borrowers in rural areas purchase a home. These loans offer low interest rates and often require no down payment, making them an affordable option for eligible buyers.
DSCR
Ideal for real estate investors, these loans are based on the cash flow of the property rather than your personal income.
NON QM
These loans are designed for borrowers who may not meet the traditional income documentation requirements. They provide flexible qualification standards and are ideal for self-employed individuals, investors, or those with unique financial situations.
ITIN
Designed for borrowers who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN).
CASH OUT REFINANCE
A cash-out refinance allows you to replace your existing mortgage with a new one, borrowing more than you currently owe. The difference is given to you in cash, which can be used for home improvements, debt consolidation, or other financial needs. It’s a smart way to tap into your home’s equity while potentially securing a better interest rate.
AND MANY OTHERS
The above are our most common loans however feel free to contact us if you don't see the particular loan listed that you are looking for.
Traci Woolfolk is a Federal Mortgage Loan Originator (NMLS 2531118) Licensed in all 50 states with Capital Federal Credit Union (NMLS 2288260), an Equal Housing Lender, Traci owns GenWealth Solutions LLC, an education company. GenWealth Solutions LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This website is only for educational usage. All calculations should be verified independently. This website is not an offer to lend and should not directly be used to make decisions on home offers, purchasing decisions, nor loan selection. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. Seek counsel from an accountant, tax professional and/or attorney for legal, and/or financial advice.
