Sapan Patel · Secure Choice Lending
The next chapter has an address.
A personal approach to buying, refinancing and investing—with a clear plan for the financing.
What does your next move look like?
Sapan Patel | Secure Choice Lending
A real conversation. A clearer plan.
Sapan Patel is a mortgage advisor with Secure Choice Lending. He works with first-time buyers, growing households, homeowners and investors, and every plan starts the same way: a conversation about what you want the next few years to look like.
From there he lays out the options side by side, explains the tradeoffs in plain language, and stays in touch from the first call through closing.
- Discuss your goals.Budget, timing and what matters most, before any forms.
- Review your options.Loan types and scenarios compared side by side, with the costs visible.
- Stay in contact.Clear updates on what is needed and what comes next.
Outside of work, you will usually find him with his dog, Niko, practicing meditation, or reading about Indian history.
The calm of a well-made home comes from details that were decided early. Financing works the same way.
The Home Plan
See the payment before the paperwork.
Enter your own figures. Nothing you type is sent anywhere, and there is no email required.
$130,000 down, 20% of the price
A rate you choose for illustration. It is not a rate available today.
Scenario A: estimated monthly principal & interest
$3,287/mo
Principal and interest only. Excludes property taxes, homeowners insurance, HOA dues and mortgage insurance.
- Loan amount
- $520,000
- Down payment
- $130,000 (20%)
- Rate, term
- 6.5%, 30 years
Principal and interest only. Excludes property taxes, homeowners insurance, HOA dues and mortgage insurance. Figures and selected rate are illustrative, not a quote, affordability assessment or loan approval.
Financing your next chapter
Your next move.
Your loan.
A place to call home.
A plan to make it happen.
Make yourself at home4 options
Buying a first home brings several decisions at once: how much to put down, which loan type fits, and what the monthly payment looks like once taxes and insurance are included.
The first conversation with Sapan puts those decisions in order, so each one is made with the others in view.
- First home
- Down payment
- Pre-approval
Conventional loans follow lender guidelines and, for most loans, the standards set by Fannie Mae or Freddie Mac.
They are used for primary residences, second homes and investment properties.
- Primary home
- Second home
- Rental property
FHA loans are insured by the Federal Housing Administration.
They can allow a lower down payment and more flexible credit guidelines than some conventional options, which is why many first-time buyers compare them.
- Government-insured
- Mortgage insurance
VA loans are guaranteed by the U.S. Department of Veterans Affairs.
For eligible borrowers they can allow financing with no down payment and no monthly mortgage insurance.
- Eligible service members
- Veterans
Rethink your mortgage2 options
A rate and term refinance replaces your existing mortgage with a new one, usually to change the interest rate, the loan term, or the loan type.
It is worth comparing the long-term cost, not only the new monthly payment.
- Rate
- Term
- Loan type
A cash-out refinance replaces your current mortgage with a larger loan and pays you the difference.
Homeowners use it for renovations, education, or to consolidate higher-interest debt.
- Home equity
- New mortgage
Plan your next investment1 option
Investment property loans finance homes you plan to rent rather than live in.
DSCR (debt service coverage ratio) loans qualify mainly on the property's expected rental income relative to its payment, rather than on personal income documentation.
- Rental property
- Rental income
Not sure where to start? Let’s talk through your options.
Program availability, terms and eligibility are confirmed with Sapan against current Secure Choice Lending guidelines and the states where he is licensed.
How a typical loan comes together.
- Stage 1
Conversation.
A call about your goals, timing and the numbers that matter to you. No paperwork yet.
- Stage 2
Application and review.
When you are ready, a formal application. Income, assets, credit and the property are reviewed.
- Stage 3
Financing and closing preparation.
Appraisal, underwriting conditions and final terms come together, with regular updates on what is outstanding.
- Stage 4
Closing.
You review and sign the final documents, and the loan funds on the closing schedule.
A typical sequence, not a guarantee. Timelines vary with the property, the loan program and third parties such as appraisers and title companies.
Contact
Let’s talk about your next move.
Reach Sapan directly
Call(848) 315-2850Emailsapanp@patelhomefinance.comSapan Patel, NMLS #1985888
Secure Choice Lending, NMLS #1689518
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