Mortgage Loan Application for owner occupied and investment home loans. This includes 1-4 family and 5+ multifamily units. To pre-qualify for the highest loan amount and the best leverage and rates fill out our 1003 application and a mortgage professional will contact you and discuss your options.

Conventional Loans:
Conventional loans are traditional mortgage loans offered by private lenders and not insured or guaranteed by government entities. They typically require a 20% down payment but may accept lower down payments with private mortgage insurance (PMI).

FHA Loans (Federal Housing Administration):
FHA loans are government-backed loans designed for first-time homebuyers with lower credit scores. They require a smaller down payment (3.5%) but come with mortgage insurance premiums.

VA Loans (Department of Veterans Affairs):
VA loans are available to eligible veterans, active-duty service members, and certain surviving spouses. These loans offer 100% financing and generally have competitive interest rates.

USDA Loans (United States Department of Agriculture):
USDA loans are intended for rural and suburban homebuyers with low to moderate incomes. They provide 100% financing and often have lower interest rates.

Jumbo Loans:
Jumbo loans are used for high-value properties that exceed conventional loan limits. They typically require larger down payments and have stricter credit requirements.

Fixed-Rate Mortgages:
Fixed-rate mortgages have a constant interest rate over the loan term, providing predictable monthly payments. Common terms include 30, 20, or 15 years.

Adjustable-Rate Mortgages (ARMs):
ARMs have interest rates that can fluctuate after an initial fixed period. They often start with lower rates but can increase over time based on market conditions.

Interest-Only Loans:
Interest-only loans allow borrowers to pay only the interest for a specified period, typically 5 to 10 years. Afterward, payments increase to cover principal and interest.

Reverse Mortgages:
Reverse mortgages are designed for seniors aged 62 and older. They allow homeowners to convert home equity into cash, with loan repayment deferred until the homeowner sells the home, moves out, or passes away.