Amber de Marche

Hello there! I’m Amber de Marche, and I’m thrilled to be your go-to Loan Officer. My professional journey has been an exciting one, leading me from a successful ten-year career as an educator in the cosmetology industry to discovering my true passion for real estate during the challenging times of COVID.With a decade of experience in education, I’ve developed a strong foundation in communication and empathy, which has seamlessly transitioned into my role as a Loan Officer. Helping first-time homebuyers and veterans navigate the complex world of real estate is a true joy for me, but I’m equally dedicated to assisting anyone on their journey to finding their dream home.Education is at the heart of my approach. I firmly believe that understanding the loan process is crucial for borrowers to make informed decisions. That’s why I take the time to explain every step of the way, ensuring you feel empowered and confident throughout the entire process.But it doesn’t end with the closing of your first deal. Building meaningful and lasting relationships with my clients is paramount to me. I am committed to being your trusted lender for life, ready to support you in all your future real estate endeavors.When I’m not immersed in assisting clients, you can find me cherishing precious moments with my family, like chasing my toddler around. As an avid lover of the great outdoors, I seize every opportunity to explore nature’s beauty. And when it’s time to recharge, you’ll likely find me indulging in a well-deserved nap!

Loan Originator
NMLS# 2371013
501-368-8450
amber.demarche@mortgageright.com

Mortgage Loan Options

CONVENTIONAL MORTGAGE LOANS

Conventional loans are not insured by a government agency
Require a minimum 3% down payment
There are a variety of fixed and adjustable rate conventional loans to choose from
Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
Interest rate varies based on credit score and loan term
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

Great for first-time buyers and buyers with lower credit scores
FHA loans are not restricted to first-time home buyers or low-income buyers
Easier requirements for income and credit score
Minimum down payment 3.5% and lower closing costs
Mortgage Insurance may be less costly than private mortgage insurance (PMI)
Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

Special financing in USDA defined areas
Flexible credit guidelines and qualifying criteria
Lower than market interest rate
No down payment required
Closing costs can be seller-paid or rolled into the loan
Lower monthly private mortgage insurance (PMI)
Ability to finance upfront PMI

VA MORTGAGE LOAN

Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
Qualify with suitable credit, adequate income and valid Certificate of Eligibility
Borrow up to 100% with no money down and no mortgage insurance requirement
Veterans can refinance through the IRRRL (streamline refinance)
Can include cost of remodeling up to 103.15% appraised value
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

Financing for high-priced and luxury homes
Good option for self-employed buyers
Available for primary residences, second homes and investment properties
Flexible down payment minimum of 5% on loans up to $2 million
Mortgage insurance is not required
Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

Borrower remains the owner of the home
Can stay in your home without ever making another monthly mortgage payment
With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
Borrowers must occupy the property as their principal residence
Protection against a declining housing market

The Benefits Of Refinancing

If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.

Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.

It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

Testimonials

“My wife and I had the pleasure of working with Amber as first time home buyers! From the beginning, she met with us in person to walk through numbers and educate us on home buying. She kept in contact with us before we found a home, during due diligence, during underwriting, and even after closing. Amber provided resources and advice as we moved forward. She kept everything moving smoothly during the underwriting process as she worked on our behalf. She guided us through the extensive process of a USDA loan and made the experience a breeze. We can’t say enough about her and our experience. We were fortunate to have met and worked with Amber. She helped us to feel comfortable and confident during the whole process. She put the fun back into home buying! Thank you!.”