Julio Arauz - Swan Finacial Home Loans - NMLS# 2216854 - Mr. ITIN Loans

JAR Home Loans, represented by Senior Loan Officer Julio Arauz, operates under the umbrella of Swan Financial, a direct lender based in Louisville, KY. Julio Arauz leverages his extensive experience to guide clients through the mortgage process, focusing on education and personalized service to ensure a clear understanding and minimal stress from application to closing. The commitment extends to a 'client for life' philosophy, with proactive market monitoring to advise on advantageous refinancing opportunities.

Swan Financial, as the backing institution (NMLS: 2473), offers a diverse portfolio of home purchase options, including traditional Conventional, FHA, VA, and USDA loans. A notable specialization is their exclusive SwanLC program, designed specifically for foreign nationals and individuals with ITINs, as well as recently self-employed borrowers. This program features lenient credit requirements (580+ FICO), low down payments starting at 3.5%, and a unique 40-year fixed mortgage term, alongside bank statement income verification.

With a focus on expanding homeownership access, particularly for underserved communities, JAR Home Loans and Swan Financial aim to provide competitive rates and flexible financing alternatives. Their dedication to supporting both traditional and non-traditional borrowers, coupled with a commitment to community building, positions them as a valuable resource for aspiring homeowners.