Your Friendly Neighborhood Loan Officer!
Meet Braden Hatch
Braden Hatch is a small-town guy with a passion for helping people achieve homeownership. Born and raised in Holbrook, Arizona, he now resides in Queen Creek. Although he was offered a full academic scholarship to Arizona State University, he chose to enter the workforce instead. Braden holds an associate's degree from Northland Pioneer College and continues to learn and grow through various resources, including YouTube.
Braden's true calling in the world of financial services is mortgage solutions. He specializes in down payment assistance and helping individuals with credit challenges. His goal is to empower everyone, whether they are first-time homebuyers or facing unique obstacles in the homebuying process. Over the years, Braden has guided over a thousand families and individuals to achieve their dream of homeownership.
FREE First Time Home Owner COMPLETE Guide!
Types of Loans
Perfect for those with out a lot of money or less than perfect credit. Works great for first time home buyers or a primary residence, you can even get up to a 4 unit, live in one and make money on the rest!
VA loans are like a salute to our brave military heroes. They're exclusively for active-duty service members, veterans, and eligible surviving spouses. These loans don’t require a down payment and don’t have PMI. AND YES you can use it multiple times. It's Uncle Sam's way of saying, "Thanks for your service!"
Where my small town people at?! USDA loans are perfect for low-to-moderate-income families who want to escape the city hustle. Zero down payment, and they have more lenient credit requirements. So, if you're dreaming of a house in the countryside and meet the location and income criteria, USDA loans are your rural getaway ticket to homeownership. It's like having a little piece of the American Dream to call your own!
Great for those with solid credit scores and a good chunk of savings for a down payment. BUT first time buyers can do as little as 3% down! They offer flexibility in terms of property types and can handle a wide range of buyers. So, if you're financially sound, got decent credit, and don't need special assistance, conventional loans are your straightforward path to homeownership or getting into the investment property game.
Home Equity Lines of Credit
If you've built up some equity in your home (that's the difference between what your home is worth and what you owe on your mortgage), a HELOC lets you tap into that equity like a piggy bank. You can use it for things like home improvements, education, or emergencies. It's flexible, like having a credit card with your home as collateral.
Down Payment Assistance
The helping hand when you're ready to buy a home but don't have enough cash saved up for a down payment. Several loan types are available and there are many varieties depending on location, credit and income.
Down payment assistance loans are a fantastic resource for those who need a little extra help making that initial leap into homeownership.
Bank Statement Loans
Self Employed but can’t get approved because of your tax returns? With these loans we look at your bank statements over a set period, usually around 12 to 24 months, to calculate your average monthly income. This can be a great option if you have a steady income but it's not reflected in traditional tax documents.
But keep in mind, bank statement loans often come with higher interest rates and might require a larger down payment. So, they're not for everyone, but they can be a lifeline if you want to buy a home. It's like getting a mortgage on your terms, based on your financial reality.
If you're an investor eyeing a rental property or a business owner looking to purchase real estate, DSCR loans could be your ticket. They're all about the property's ability to pay its own way, and your personal financials take a back seat in the decision-making process. They want to make sure the property you're buying generates enough income to cover not just your mortgage but also other expenses like property taxes and insurance.
Home Equity Loans
Just like the Home Equity Line of Credit except these loans come with fixed interest rates and a set repayment schedule, which can make budgeting easier. It’s like turning your home into your personal ATM, but you’ve got to manage it wisely!
Happy Home Owners
I have worked with Braden many times not only on my clients homes, but my own personal homes as well. Braden is extremely knowledgeable, and has a fantastic team behind him. They are very responsive and get the job done! Him and his team are experts at what they do! I can’t recommend him enough!
This is the second time that Braden and his team have helped me refinance my home and each time I’m amazed at how fast the process is. This month we were able to close out my cash out refinance in 23 days!!! I will forever be a loyal customer!!
Braden is the best loan officer. This was my second home I’ve bought and I wish I would’ve had Braden the first time around as my loan officer. He made the home buying process easy and looked for ways to have minimal out of pocket cost for
I absolutely enjoyed working with Braden, he and his team are phenomenal! Braden guides you throughout the entire process step by step to ensure everything goes as smooth as possible! I would recommend Braden to ANYONE looking to accomplish their goals to homeownership.
I absolutely love working with Braden and Nick! Their team is so professional, communicates throughout the process, and very helpful! I highly recommend them, I also send my clients to them for mortgage assistance! I am so happy with them and will definitely continue to use them.
Braden and the team was excellent to work with. This was a concurrent closing and Braden and his staff kept us well informed and it was an extremely smooth transaction. We highly recommend Braden! Thanks!
Braden and the whole team were the best! Not only did they take the time to help us but if we had a question, the answered it, no matter how minor it may have seemed. KUDOS! And I will recommend Braden and the loan depot team/HatchmanLoans to anyone and everyone I know!
Love these people!! They’re hard working, straight to the point and willing to go the extra mile. Their response time to questions asked wass greatly appreciated!! I DON’T want to do it again, but if I do it’s Hatchman loans every time!!
LEARN HOW YOU CAN GET A LOAN
Fill out the form and we will have one of our team members will reach out