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NMLS#: 2291740
BROKER ID: 257417
OHIO#: MLO-OH.2291740
Your Dream. Your Home. Our Promise.
Home is Where Your Story Begins. Let’s Write this Chapter Together
Hi, my name is Marian Ciuta.
I emigrated from Romania 20 years ago with my parents for a better life. Since I came here, my first purpose was to help my family, so I worked many handy jobs during the day and studied the language during the night. Being surrounded by family and friends, even though life was harsh at times, I accomplished many of my dreams.
Now, it is my time to help fellow Romanians, and not only, to accomplish their dreams, by guiding them through while looking to buy a house.
Buying a house is not something that one gets for a short while; for many, it is a lifetime investment.
If you need a bilingual (Romanian/English) professional MORTGAGE LOAN ORIGINATOR, contact me. I will walk you through the process, and make sure that your interest is best served.
Mortgages Offered
Conventional Mortgage
“Conventional” just means that the loan is not part of a specific government program. Conventional loans typically cost less than FHA loans but can be more difficult to get.
Veteran Affairs Mortgages
A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help servicemembers, veterans, and eligible surviving spouses buy homes. The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence.
Federal Housing Administration Mortgages
FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). FHA loans differ from conventional loans because they allow for lower credit scores and down payments as low as 3.5 percent of the total loan amount. Maximum loan amounts vary by county.
Non-Qualified Mortgages
A Non-Qualified Mortgage (Non-QM) is any home loan that doesn’t comply with the CFPB’s ( Consumer Financial Protection Bureau) existing rules on Qualified Mortgages (QM). Usually this type of correspondent mortgage loan accommodates people who are not able to prove they are capable of making the mortgage payments.