Darren & Michele Sager | Brighton Bank

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

Expert Mortgage Solutions Nationwide

LOAN PROGRAMS

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!

CONVENTIONAL

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

FHA

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

RENOVATION

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

BANK STATEMENT

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

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

USDA

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

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

CASH FLOW/DSCR

DOWN PAYMENT ASSISTANCE

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

ASSET QUALIFIER

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

House with Dollar Sign Inside a Circle Outline

1099 ONLY

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

START YOUR MORTGAGE APPLICATION

HOME LOANS IN ALL 50 STATES

PREPARING FINANCIALLY

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.

Strategic Financial Planning for Homeownership Success

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.

MEET THE TEAM

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Darren Sager

Mortgage Loan Officer

NMLS #: 2471507

dsager@bankbrighton.com

Michele Sager

Mortgage Loan Officer

NMLS #: 2474792

msager@bankbrighton.com

Anna Maciejewski

Partner & Sales Manager

NMLS #: 1769895

amaciejewski@bankbrighton.com

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.

SCHEDULE A CALL WITH Darren

State of the art application

Client Testimonials

See what our satisfied customers have to say about us!

"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

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