Whether you're a new home buyer looking for your first home or needing to refinance your current mortgage, there are hundreds of types of mortgages and refinancing loan options available, each with their own qualification and terms. Luckily, you don't have to face it alone. At HomeLoans, we understand that there is no one size fits all solution to home financing. Our experienced mortgage experts will work with you to find the best types of mortgages for your individual needs.
Adjustable-Rate Mortgages: Maximize flexibility with our Adjustable-Rate Mortgages (ARMs)! Benefit from lower initial rates, making it easier to afford your home or invest in higher-priced properties. Perfect for those planning shorter-term ownership or expecting future income growth.
Cash Out Refinances: Maximize your home's equity with our Cash-Out Refinance services! Transform your equity into cash for renovations, debt consolidation, or any financial need.
Closing Assistance: From the moment you start your loan application until long after closing, our team is with you at every step. Our support doesn't stop at closing; we continue to offer guidance and assistance to ensure you're confident and comfortable with your mortgage.
Condominiums: Embrace the convenience and lifestyle of condo ownership with our expert guidance. Condos offer the perfect blend of affordability, low maintenance living, and access to premium amenities like pools, fitness centers, and security features.
Conventional Mortgages: Unlock home buying with our Conventional Mortgage options! Offering various term options and the chance to eliminate PMI with 20% down. Ideal for those seeking a straightforward and efficient path to homeownership.
Credit Repair: Benefit from personalized strategies, expert guidance, and dedicated support to enhance your credit score for improved mortgage qualification.
Down Payment Assistance: Unlock homeownership with our Down Payment Assistance programs, designed to help you secure your dream home with less upfront cost. Offering grants and low-interest loans to eligible buyers, we make it easier to overcome financial barriers.
FHA Mortgages: Unlock the door to homeownership with our FHA Loan services. Designed for those with less-than-perfect credit or limited savings for a down payment, FHA loans offer an accessible path with lower down payment requirements and more flexible lending criteria.
FHA Streamline Refinances: Effortlessly refinance your FHA loan with the Streamline program. Benefit from a quick, simple process with no appraisal and limited paperwork. Perfect for FHA borrowers aiming to reduce interest rates and monthly costs efficiently, enhancing your financial well-being with ease.
First Time Home Buyer Programs: Jumpstart your homeownership dream with our First Time Homebuyer Programs! Benefit from low down payments, special assistance, and educational resources. Designed to simplify your first home purchase and make it more affordable.
Fixed Rate Mortgages: Secure your future with our fixed-rate mortgages, our most popular option! Enjoy the stability of consistent monthly payments and various term lengths. Ideal for planning your finances with confidence and long-term homeownership peace of mind.
Home Buyer Education: Empower your home buying journey with our comprehensive Home Buyer Education services. We provide essential knowledge and tools to navigate the complex world of real estate confidently.
In House Processing: Experience the difference with our in-house processing! Our dedicated team ensures a seamless, efficient mortgage experience from application to approval. Enjoy faster processing times, personalized attention, and direct communication every step of the way.
Investor Mortgages: Unlock investment opportunities with Debt Service Coverage Ratio Loans! These options are tailored for property investors. Benefit from flexibility without personal income verification, focusing on property cash flow. Ideal for expanding your portfolio!
Jumbo Loans: Get your dream home with our jumbo loans! High loan amounts beyond conventional limits, competitive interest rates, and flexible terms. Ideal for luxury properties and high-cost areas. Start your upscale home journey now.
Loan and Rate Shopping Assistance: Let us navigate the mortgage maze for you! Our skilled mortgage brokers specialize in shopping around to find the best rates and loan programs tailored to your individual needs.
Manufactured Homes: Explore the advantages of manufactured home ownership with our specialized assistance. Manufactured homes present an affordable entry into homeownership, offering customizable designs, efficient construction, and energy savings. Perfect for those seeking a budget-friendly option without compromising.
Mortgage Calculators and Tools: Unlock the full potential of your homeownership journey with our comprehensive suite of mortgage tools. From understanding the Cost of Waiting to make a home purchase, to diving into Home Loans 101 for an overview of loan types, our resources are designed to empower you.
New Construction Loans: Finance your dream home from the ground up with our specialized New Construction loans. Offering step-by-step guidance for land purchase through to construction completion, we provide flexible financing to bring your home vision to life.
Ongoing Financial Advice: Ongoing advice and support, helping clients with future financial planning related to their mortgages, such as deciding when to refinance or how to use home equity.
Purchase Mortgages: Unlock the door to your dream home with our tailored Purchase Mortgage solutions. Our team specializes in guiding you through the home buying process by providing personalized financing options to fit your unique needs.
Rate and Term Refinances: Optimize your mortgage with our Rate and Term Refinance options! Secure lower interest rates, adjust your loan term, and achieve better financial terms.
Renovation Purchase Loans: Transform your property with our Renovation Loans, designed to finance both your home purchase and improvement projects. Tailor your loan to fit your renovation needs, from minor updates to major overhauls.
Renovation Refinance Loans: Refresh your home with our Renovation Refinance options, merging your mortgage and renovation costs into one manageable loan. Ideal for upgrading your living space, our solutions offer the financial flexibility to enhance your home’s value and comfort.
Self Employed Mortgages: Self-Employed Loans simplify homeownership for entrepreneurs and freelancers. Enjoy flexible qualification criteria that consider your unique income, with minimal documentation requirements.
Single Family Homes: Step into the world of single-family home ownership with our expert support. Single family homes offer unparalleled privacy, space, and the freedom to personalize your living environment.
USDA Mortgages: Unlock the door to homeownership with our USDA Mortgage options! These loans are designed for those seeking to live in rural areas. Benefit from zero down payment, lower interest rates, and flexible credit requirements.
VA Interest Rate Reduction Refinances: Optimize your VA loan with the Interest Rate Reduction program, designed for a swift and effortless refinance experience. Lower your interest rates and monthly payments without the need for an appraisal or extensive documentation.
VA Mortgages: Embrace homeownership with our VA mortgage options! Tailored for veterans and military families, offering minimal down payment, no PMI, and flexible credit requirements. A dedicated way to honor your service with a path to your dream home.