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TYPES OF MORTGAGES
We’ll find the right loan for you.
Whether you are a first-time homebuyer or have been around the block before, we offer all types of mortgage loans and terms to best suit your needs.
- No commitment
- No documents required
- No impact on your credit score
Our Most Popular Home Loans
Most Popular
30-Year Fixed-Rate
This is one of the most popular loan options for a reason. The longer 30-year term means lower, fixed monthly payments.
BENEFITS
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Ideal For High-Cost Areas
Jumbo
This non-conforming loan option is perfect for buyers looking in higher-priced locations or who have a more expansive homebuying budget.
BENEFITS
- Super low interest rates – available exclusively to JVM clients
- Loan amounts up to $3 million
Great for First-Time Homebuyers
FHA
FHA loans have flexible qualification requirements, low down payment options and very low rates, making them a great option for first-time buyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes - as little as 14 days
Lower Rates & Less Interest Paid
15-Year Fixed-Rate
A great option for those looking to pay off their mortgage quickly and willing to take on a higher payment.
BENEFITS
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
0% Down Payment Options
VA
VA loans are available exclusively to US veterans and active-duty personnel. They offer low rates and flexible qualifying requirements.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Low Starting Rates
Adjustable-Rate Mortgage (ARM)
ARMs offer very low starting interest rates, making qualifying easier when rates are climbing.
BENEFITS
- Great for buyers with short time horizons
- Lower monthly payments
More Loan Options
Conventional
Conventional loans are a great option for all types of homebuyers, from first-timers to seasoned investors. Learn more
Investment Property
Start earning profits from real estate while also building your retirement portfolio. We offer investment financing for 1 to 4 unit properties. Learn more
Bridge Loan
Bridge loans give homebuyers the flexibility to buy a new home before selling their current home. Learn more
Non-QM
Explore alternative mortgage financing options if you don't quite “fit into the mold” of a standard homebuyer. Learn more
Chapter 13 Bankruptcy Refinance
While Chapter 13 bankruptcy may present challenges, refinancing your mortgage during this time can provide a means of achieving financial stability and a pathway to a fresh start. Learn more
ITIN
These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership for a broader range of individuals. Learn more
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the loan amount as their down payment. Learn more
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners by putting less money down and lowering monthly payments by avoiding PMI. Learn more
Bank Statement
A bank statement mortgage loan is a unique type of home loan designed to cater to those with non-traditional income sources. Learn more
Renovation Loan
A renovation home loan is your golden ticket to transforming a fixer-upper into your dream home by allowing you to bundle the cost of the home and the renovation into a single mortgage loan. Learn more
No Income Verification
If you're struggling to qualify for a traditional mortgage, we have a loan that is an ideal alternative to hard money, as it has far lower interest rates, no income verification requirements at all, and no minimum credit score. Learn more
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to finance 100% of a home's price. Learn more
DSCR
DSCR Mortgage Loans (Debt Service Coverage Ratio Loans) are a specialized type of lending product designed with real estate investors in mind. Learn more
Home Equity Loan
A Home Equity Loan has much less risk than a Home Equity Line of Credit (HELOC). Learn more
Rate & Term Refinance
Capitalize on decreasing interest rates or save money on monthly payments without taking cash out. Learn more
No Cost Refinance
Great for homeowners who are short on cash but still want to take advantage of the savings from refinancing. Learn more
Cash-Out Refinance
Take advantage of your home's equity without selling and get cash for home renovations, tuition, and more. Learn more
NEXT STEP
Get your instant rate quote.
- No commitment
- No impact on your credit score
- Fast and easy
- No documents required
Talk To A Mortgage Expert
Whether you are a first-time buyer or buying your next investment property, we are happy to answer all of your questions.
- Review down payment and monthly payment scenarios
- Discuss credit issues and concerns
- See where interest rates are currently and discuss how they could impact your mortgage
We are committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry.