Loan Programs We Offer
Every homebuyer and homeowner has different financing needs. Whether you’re purchasing your first home, building a new property, refinancing, or financing an investment, choosing the right mortgage program is an important part of the process.
Our team offers a variety of loan programs to help borrowers explore financing options based on their goals, financial circumstances, and property type. Explore the programs below to learn about their general features and determine which options may be worth considering.
Construction Loans
Construction loans help finance the building of a new home. Depending on the program, financing may cover construction costs and transition into permanent mortgage financing.
Conventional Loans
Conventional loans are mortgages that aren’t insured or guaranteed by the federal government. Available terms, down payment requirements, and qualification criteria vary by borrower and property.
FHA Loans
FHA loans are insured by the Federal Housing Administration and may offer flexible qualification and down payment options for eligible borrowers. Mortgage insurance and property requirements are important factors to consider.
Home Improvement Loans
Home improvement financing can help eligible borrowers pay for repairs, renovations, or upgrades. Options depend on the property, planned work, and loan program.
Jumbo Loans
Jumbo loans exceed the applicable conforming loan limits and may be used to finance higher-priced homes. Qualification requirements and available terms can differ from conforming mortgages.
Reverse Mortgages
Reverse mortgages allow eligible homeowners to access home equity through a loan with different repayment features from a traditional mortgage. Borrowers must meet applicable eligibility, occupancy, and property-charge requirements.
Specialty Loans
Specialty loans may help borrowers with specific financing needs, including real estate investing, short-term financing, and other situations that may not fit a traditional mortgage program. Expand a category below to explore the options.
Bridge Loans
Bridge loans provide short-term financing that may help buyers purchase a new home before selling their existing property or cover another temporary financing gap.
All-in-One (AIO) Home Loans
All-in-One home loans combine mortgage financing with account features designed to use deposited funds to help manage interest costs. Product terms and benefits depend on the specific offering.
DSCR (Debt Service Coverage Ratio) Loans
DSCR loans are commonly used by real estate investors. Qualification focuses on whether a property’s rental income can support its debt obligations, subject to the program’s requirements.
Physician Mortgage
Physician mortgage programs are designed for eligible medical professionals and may offer features tailored to their financial circumstances, depending on the program.
Halal / Faith-Based Loans
Halal or faith-based financing is structured to accommodate certain religious principles. The structure, costs, and availability depend on the specific product.
Hard Money Loans
Hard money loans are typically short-term, property-focused financing options used by real estate investors. Costs, repayment terms, and risks differ from traditional mortgages.
Zero Down Payment / DPA Programs
Eligible homebuyers may qualify for programs that reduce or cover some or all of the required down payment. Eligibility, funding, and other conditions vary by program.
USDA Loans
USDA loans are designed for eligible homebuyers purchasing properties in qualifying rural and suburban areas. Certain programs offer no-down-payment financing, subject to income, property, and other requirements.
VA Loans
VA home loans are available to eligible veterans, service members, and certain surviving spouses. Depending on eligibility, these loans may offer benefits such as no-down-payment financing and no monthly mortgage insurance.
Explore the related VA loan options below.
VA Home Loan for a Surviving Spouse
Certain surviving spouses may qualify for VA home loan benefits, depending on their circumstances and applicable VA requirements.
Texas Veteran Home Loans
Eligible veterans purchasing a home in Texas may be able to access state-specific home loan benefits. Program eligibility and terms vary.
VA Renovation Loan
A VA renovation loan may allow eligible borrowers to finance a home purchase or refinance along with approved improvements, depending on the product and current program requirements.
Find a Loan Program That Fits Your Needs
The right mortgage depends on your financial situation, property, and plans. Comparing programs can help you understand eligibility, down payment requirements, closing costs, and long-term borrowing costs.
The Mortgage Mark Team can help you explore available options and determine what may fit your circumstances.
