Loan Programs
Explore Our Mortgage Solutions at Your Loan Officer Hemen
1. Conventional Mortgage Loans
A Conventional Loan is a traditional mortgage not insured or guaranteed by the government. It’s ideal for buyers with stable incomes and good credit scores. These loans offer flexible terms and can be used for various property types, including primary homes, vacation homes, and investment properties.
2. FHA Mortgage Loans
A Federal Housing Administration (FHA) Loan is a government-backed mortgage designed for low-to-moderate-income borrowers. FHA loans have more lenient credit requirements and lower down payment options, making homeownership more accessible.
3. VA Mortgage Loans
A VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs, exclusively for veterans, active military members, and their families. VA loans require no down payment and offer competitive interest rates.
4. USDA Rural Development Loans
A USDA Loan is a government-backed mortgage designed for borrowers in eligible rural and suburban areas. These loans are intended to encourage homeownership in less populated regions and often feature zero down payment options.
5. Reverse Mortgage
A Reverse Mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their property or make monthly payments. This loan is often used to supplement retirement income.
6. Non-QM Loans (Non-Qualified Mortgage Loans)
Non-QM Loans are for borrowers who may not meet traditional mortgage guidelines, such as self-employed individuals or those with non-traditional income sources. Non-QM loans offer flexible income verification and more lenient credit requirements.
7. Renovation Mortgage Loans
A Renovation Loan allows homebuyers or homeowners to finance both the purchase of a home and the cost of renovations in one mortgage. This type of loan is ideal for buying fixer-uppers or updating current homes.
8. Jumbo Loans
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for purchasing high-value properties.
9. Bridge Loans
A Bridge Loan is a short-term loan used by homeowners to “bridge” the gap between selling their current home and buying a new one.
10. Hard Money Loans
A Hard Money Loan is a short-term, asset-based loan often used by real estate investors to quickly purchase and rehab properties.
At Your Loan Officer Hemen, powered by On Time Lending, we are committed to finding the right mortgage solution that fits your unique financial situation. Whether you’re buying your first home, refinancing, or investing in real estate, we have a loan program that’s right for you.
Contact us today to start your journey toward homeownership or real estate investment!
Free Consultation
Explore Our Mortgage Solutions at Your Loan Officer Hemen
1. Conventional Mortgage Loans
A Conventional Loan is a traditional mortgage not insured or guaranteed by the government. It’s ideal for buyers with stable incomes and good credit scores. These loans offer flexible terms and can be used for various property types, including primary homes, vacation homes, and investment properties.
2. FHA Mortgage Loans
A Federal Housing Administration (FHA) Loan is a government-backed mortgage designed for low-to-moderate-income borrowers. FHA loans have more lenient credit requirements and lower down payment options, making homeownership more accessible.
3. VA Mortgage Loans
A VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs, exclusively for veterans, active military members, and their families. VA loans require no down payment and offer competitive interest rates.
4. USDA Rural Development Loans
A USDA Loan is a government-backed mortgage designed for borrowers in eligible rural and suburban areas. These loans are intended to encourage homeownership in less populated regions and often feature zero down payment options.
5. Reverse Mortgage
A Reverse Mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their property or make monthly payments. This loan is often used to supplement retirement income.
6. Non-QM Loans (Non-Qualified Mortgage Loans)
Non-QM Loans are for borrowers who may not meet traditional mortgage guidelines, such as self-employed individuals or those with non-traditional income sources. Non-QM loans offer flexible income verification and more lenient credit requirements.
7. Renovation Mortgage Loans
A Renovation Loan allows homebuyers or homeowners to finance both the purchase of a home and the cost of renovations in one mortgage. This type of loan is ideal for buying fixer-uppers or updating current homes.
8. Jumbo Loans
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for purchasing high-value properties.
9. Bridge Loans
A Bridge Loan is a short-term loan used by homeowners to “bridge” the gap between selling their current home and buying a new one.
10. Hard Money Loans
A Hard Money Loan is a short-term, asset-based loan often used by real estate investors to quickly purchase and rehab properties.
At Your Loan Officer Hemen, powered by On Time Lending, we are committed to finding the right mortgage solution that fits your unique financial situation. Whether you’re buying your first home, refinancing, or investing in real estate, we have a loan program that’s right for you.
Contact us today to start your journey toward homeownership or real estate investment!
Free Consultation
Explore Our Mortgage Solutions at Your Loan Officer Hemen
1. Conventional Mortgage Loans
A Conventional Loan is a traditional mortgage not insured or guaranteed by the government. It’s ideal for buyers with stable incomes and good credit scores. These loans offer flexible terms and can be used for various property types, including primary homes, vacation homes, and investment properties.
2. FHA Mortgage Loans
A Federal Housing Administration (FHA) Loan is a government-backed mortgage designed for low-to-moderate-income borrowers. FHA loans have more lenient credit requirements and lower down payment options, making homeownership more accessible.
3. VA Mortgage Loans
A VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs, exclusively for veterans, active military members, and their families. VA loans require no down payment and offer competitive interest rates.
4. USDA Rural Development Loans
A USDA Loan is a government-backed mortgage designed for borrowers in eligible rural and suburban areas. These loans are intended to encourage homeownership in less populated regions and often feature zero down payment options.
5. Reverse Mortgage
A Reverse Mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their property or make monthly payments. This loan is often used to supplement retirement income.
6. Non-QM Loans (Non-Qualified Mortgage Loans)
Non-QM Loans are for borrowers who may not meet traditional mortgage guidelines, such as self-employed individuals or those with non-traditional income sources. Non-QM loans offer flexible income verification and more lenient credit requirements.
7. Renovation Mortgage Loans
A Renovation Loan allows homebuyers or homeowners to finance both the purchase of a home and the cost of renovations in one mortgage. This type of loan is ideal for buying fixer-uppers or updating current homes.
8. Jumbo Loans
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for purchasing high-value properties.
9. Bridge Loans
A Bridge Loan is a short-term loan used by homeowners to “bridge” the gap between selling their current home and buying a new one.
10. Hard Money Loans
A Hard Money Loan is a short-term, asset-based loan often used by real estate investors to quickly purchase and rehab properties.
At Your Loan Officer Hemen, powered by On Time Lending, we are committed to finding the right mortgage solution that fits your unique financial situation. Whether you’re buying your first home, refinancing, or investing in real estate, we have a loan program that’s right for you.
Contact us today to start your journey toward homeownership or real estate investment!