There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.
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The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
Best Rate Finance
2023/2024 loan programs
Conventioanl loans to 97% LTV
NON QM - No Government Restrictions
Reverse Mortgages
VA 0% Down
FHA Loans to 96.5% loan to value
FHA/VA Streamline refinances with NO APPRAISAL
BANK STATEMENTS ONLY - No Income verified (NON-QM
DEBT SERVICE for Investment Properties - No Income Verified(NON QM
ASSET UTILIZATION - No Income verified, (NON-QM
JUMBO loan amounts
Adjustable Rate Mortgages - ARM
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
A simplified refinancing option for homeowners with an existing FHA loan. This program allows you to lower your interest rate quickly with reduced documentation and often requires no new appraisal.
Specialized financing solutions for factory-built housing. We offer loans for manufactured homes situated on permanent foundations, helping you buy or refinance affordable housing with confidence.
A powerful financial tool for homeowners age 62 and older. Convert a portion of your home's equity into tax-free cash to supplement retirement income, while eliminating monthly mortgage payments.
Perfect for self-employed borrowers, business owners, and freelancers. We use your personal or business bank statements to verify income rather than tax returns, making it easier to qualify.
Designed specifically for real estate investors. This loan qualifies you based on the property's rental cash flow rather than your personal income. If the rent covers the mortgage, you can qualify.
Ideal for high-net-worth individuals with significant liquid assets but limited verifiable income. We use your assets (stocks, savings, retirement accounts) to calculate a monthly income for loan qualification.
