(VA) helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. VA loans provide fixed low rates, no down payment, FICO must be above 620, limited closing cost, no need for Private Mortgage Insurance. VA home loan is a lifetime benefit you can use the guaranty multiple times.

A (USDA) loan (Section 502) is a home loan that is guaranteed by the United States Department of Agriculture. It offers very low and competitive interest rates on home loans to borrowers with no down payment requirements. The USDA Home Loan Program was made available to borrowers with excellent financing terms and flexible credit guidelines to give people an incentive to populate rural areas.

A conventional loan (CONV) is a type of mortgage loan that is not insured or guaranteed by any government agency. … Conforming conventional loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Instead, the loan is backed by private lenders, and its insurance is usually paid by the borrower.

Jumbo mortgages are for larger loan amounts not covered by conforming loan limits.
Lenders, Provides financing above conforming Fannie Mae and Freddie Mac loan limits. A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac.

Individual Tax Identification Number (ITIN) loans are for people who are not eligible for Social Security numbers, non-citizens can get a mortgage in America.. ITIN’s are issued to both resident and nonresident aliens for tax-reporting purposes. Consider the nature of ITIN loans, there are flexible credit requirements. Many lenders will consider using alternative forms of credit documentation, such as utility and phone bills. The exact same loan requirements will be needed as any legal citizen depend on the lender. The difference will be on the terms. ( case by case basis ).

A Foreign National Loan Program is a special type of loan that helps noncitizens buy investment property in the United States. This loan has requirements (and interest rates) that slightly differ from standard Fannie Mae or FHA loans.

Hard money loans are essentially a type of asset-based financing in which the borrower acquires funds that are secured by real property. … It’s called a “hard money” loan because it’s harder to acquire and payback than its soft money counterpart. A hard money lender provides the loan as long as the borrower is willing to pledge a piece of real property as collateral against any default. A hard money loan is considered cash not because it’s similar to it. It’s because it’s different from traditional bank financing. Unlike traditional financing, a hard money loan isn’t based on the current market price of a given property.

A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing. The main benefit of bridge debt financing is flexibility. It provides borrowers with short-term capital that allows them to meet any current expense obligations, quickly close on properties, complete renovations, or allow the Borrower to find new tenants for the building.

To apply for a conventional mortgage loan, borrowers usually must provide pay stubs and W-2’s from the past two years of employment. But if you are self-employed or own your own business, you don’t have W-2’s or pay stubs. A bank statement loan requires only the bank statements of self-employed borrowers to determine if they can produce sufficient income to warrant approval for a mortgage loan. Bank statement loans are a type of mortgage that lenders can issue based on personal information and bank statements rather than tax returns and employer verification. They can be a good option if you work for yourself, own a business, or don’t have a steady income. A bank statement loan may come with a higher interest rate and need a larger down payment.

Buy your first home with low credit and just 3.5% down. Our program offers the most attractive interest rates for buyers with bad credit. Secure your future in Houston today with flexible requirements and affordable monthly payments. Start your path to homeownership now!

Secure your dream with our Manufactured Home Loan Program. We offer specialized financing for double-wide manufactured homes built after June 15, 1976. Get competitive rates and flexible terms for your Houston home today. Affordable living starts here—apply now and move in fast!

Take advantage of our Rural Housing Loan Program in Houston. Enjoy 100% financing and 0% down payment with rural loans. Buy your home in the outskirts with flexible terms and competitive rates. Make your dream a reality today without any upfront payment!

Our Non-Permanent Resident Program makes Houston homeownership a reality for qualifying visa holders like H-1B, L-1, and TN. You don’t need a Green Card to secure a mortgage with competitive rates and low down payment options. Enjoy flexible terms tailored to your unique status and buy your primary residence today. Your path to a home starts here!

Transform your property with our HomeStyle Renovation Program! Ideal for Houston fixer-uppers, this loan lets you bundle the purchase price and remodel costs into one mortgage. Whether it’s a new kitchen, structural repairs, or adding a pool, you can finance up to 75% of the home’s future value. Start your extensive renovation with as little as 3% down and create the home of your dreams today!

The 3% Down Payment Program gives Houston buyers more financial flexibility by leaving more cash in your pocket after closing compared to traditional loans. Instead of the standard 20%, you only need a total down payment of 3% of the purchase price. This is the perfect path to homeownership for those looking to preserve their savings while securing a competitive conventional mortgage rate today!

Our DACA Loan Program provides Dreamers in Houston with a dedicated path to homeownership. Now, DACA recipients can secure financing for primary residences, vacation homes, and even investment properties using Conventional or Government-backed options. With credit scores starting as low as 600 and down payments from 3.5%, we make it easier to invest in your future. Start your application today!

Our Down Payment Assistance Program offers up to **$30,000** to cover your down payment and closing costs. Designed for Houston homebuyers, this program helps bridge the gap to homeownership by significantly reducing your out-of-pocket expenses. Whether you are a first-time buyer or looking to move, you can secure your new home with less stress and more savings. Contact us today to qualify!

Take control of your finances with our Refinance Mortgage Loan Program. Lower your interest rate, shorten your loan term, or cash out your home’s equity to fund improvements or consolidate debt. Available for primary residences, second homes, and investment properties across Houston, we offer flexible terms to maximize your savings. Optimize your mortgage and put your equity to work for you today!

Build your future from the ground up with our Land Loan Program. Whether you want to purchase the perfect Houston lot for your dream home or refinance land you already own to lower your rate, we have the solution. You can even cash out equity for construction or personal use. With flexible terms and competitive rates, we make land ownership simple. Secure your piece of Texas and start planning today!