Mortgage Loan Originator
Mike Voci
NMLS ID#: 1380990
5040 Corporate Woods Drive Suite 101
Virginia Beach, VA 23462
About Me
Mike Voci has been in the mortgage industry for over 6 years, starting in the Charlotte area of North Carolina, where he was raised, and then finding a true home here in Hampton Roads more than 4 years ago.
Mike has seen the highs and lows of the real estate industry over the years, and his deep knowledge has allowed him to offer the highest levels of excellence in service to his clients.
He takes pride in providing a stress-free transaction and ensuring the home buying process is as simple as possible. As an avid offshore fisherman and a beach lover, Mike knew Hampton Roads was the place to call home.
He loves spending as much time with family and friends as possible, while enjoying the upbeat nightlife, sampling local cuisine, hitting the slopes, and traveling to see what adventures life has to offer.
Featured Products
Cash2Keys
Cash Offer and Buy Now, Sell Later. With our Cash Offer program, even the odds and get your offers accepted, all with the power of cash. With Buy Now, Sell Later, current homeowners can comfortably sell their old home all while securing a new one.
Tools For You
Loan Options
Conventional
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.
Without Federal Government-mandated procedures to deal with, Conventional loans are simple to apply and qualify for. With tons of options and customizable terms available, we can craft a conventional loan that perfectly aligns with your borrower's financial status and long-term goals.
Quick Facts
- Downpayment Required
- Insurance Required
- Higher Credit Needed
- No Residency Restrictions
- Not Insured
VA Loan
Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings. With lower rates and the far more lenient underwriting standards, if your borrower is a current or former member of the U.S. armed forces, they are unlikely to get a better deal with any other kind of loan.
If your borrower meets the basic service requirements specified by the U.S. Department of Veterans Affairs, they are eligible for a VA loan.
Quick Facts
- No Downpayment
- Insurance Optional
- Lower Credit Accepted
- Primary Residence
- Government Insured
USDA
The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.
For income-qualified borrowers, USDA’s provide competitive Fixed Interest Rates at Affordable 30-Year Terms A USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your borrower's home value. That means no down payment of any kind!
Quick Facts
- No Downpayment
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured
FHA
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payment and credit scores than many conventional loans.
Unlike other loan types, property buyers with credit scores as low as 550 can qualify for an FHA loan. Mandatory down-payments can be set as low as 3.5% of the home’s cost, minimizing the need for available cash up-front. In addition to lower down-payments and interest rates, FHA borrowers can take advantage of unique benefits like Down Payment Assistance programs, Down Payment Gifts, and Up to 6% Seller Assist.
Quick Facts
- Downpayment Required
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured