Realvolution

CHINNI REALTY MORTGAGES

Home loans for every buyer and homeowner

Whether you're buying your first home, upgrading, or tapping existing equity, Chinni Realty Group connects you with the right loan.
We work with top lenders to get you competitive rates and a smooth close.

Schedule a consultation

3%

Min down — conventional

3.5%

Min down — FHA

0%

Down required — VA

620+

Min credit score

Purchase Loans

Loan Programs

Three government-backed and conventional options to match your situation.

Conventional Loan

Down payment
3%–20%+

Min FICO
620

Loan limit
$806,500

PMI
Below 20% down

Best for
Good credit buyers

FHA Loan

Down payment
3.5%

Min FICO
580

Loan limit
$1,209,750 (LA)

MIP
Required

Best for
First-time buyers

VA Loan

Down payment
0%

Min FICO
620

Loan limit
No limit (full entitlement)

PMI
None

Best for
Veterans & active military

Home Equity

Access your equity without refinancing

Already own a home?
A HELOAN or HELOC lets you borrow against your equity while keeping your existing first mortgage rate intact.

HELOAN — Home Equity Loan

Lump-sum payout at a fixed rate. Predictable payments — great for renovations or paying off debt.

Rate type
Fixed

Payout
One-time lump sum

Max CLTV
Up to 90%

Min FICO
620+

HELOC — Home Equity Line of Credit

Revolving credit line — draw what you need, when you need it. Only pay interest on what you use.

Rate type
Variable (prime-based)

Payout
Draw as needed

Max CLTV
Up to 90%

Min FICO
620+

How It Works
Step 1
Talk to Vinay
Quick 15-min call to review your goals, income, and credit. No hard pull required.
Step 2
Get pre-approved
We match you to the right program and lender, then issue your pre-approval — usually within 24 hours.
Step 3
Shop and close
We coordinate your financing from offer through closing so nothing falls through the cracks.

Not sure which program fits you?

Vinay will walk you through your options in a free 15-minute call — no obligation, no hard credit pull.

Schedule a consulation
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Are you buying or selling a home?

Buying
Selling
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When are you planning on buying a new home?

1-3 Mo
3-6 Mo
6+ Mo
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Are you pre-approved for a mortgage?

Yes
No
Using Cash
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Would you like to schedule a consultation now?

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When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

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When are you planning on selling your home?

1-3 Mo
3-6 Mo
6+ Mo

Would you like to schedule a consultation or see your home value?

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