Loan programs

Navigating the world of loan programs can be overwhelming, but acquiring knowledge about the various options available can help you make informed decisions and secure a financial solution that aligns with your needs.

2nd Home

The funding or financing used to purchase or refinance a property that is intended to be used as a second home.
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ARM

A type of home loan where the interest rate can change, or adjust, periodically over the term of the loan.
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Construction

A type of short-term loan that is used to finance the construction of a new home or building.
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Conventional

The most common type of financing that is grouped into two primary categories – Conforming and non-conforming loans.
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DPA

Financing that is designed to help individuals with the costs associated with purchasing a home.
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Doctor

Purchasing a home can be a significant step towards establishing stability and financial security as you embark on your career in medicine.
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FHA

A mortgage loan that is insured by the Federal Housing Administration (FHA), a government agency.
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Investment

Typically used by investors or developers to purchase residential real estate for investment purposes.
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Jumbo

A type of mortgage loan that is used to finance properties with a higher value than what is considered to be the conforming loan limit.
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Renovation Loan

Allow homeowners to finance repairs through a refinance of a home or improvements can be combined with financing the purchase of a “fixer-upper”.
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Reverse Mortgage

An enticing financial tool designed for homeowners who are usually 62 years of age or older.
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USDA

A type of mortgage loan that is guaranteed by the U.S. Department of Agriculture (USDA).
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VA

A type of mortgage loan that is backed by the Department of Veterans Affairs (VA).
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PurchaseRefinanceResources

Refinance

Refinancing your mortgage can be an excellent strategy to save money, lower your monthly payments, and optimize your financial standing.
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Embarking on the journey of purchasing a new home can often feel like an overwhelming and complex endeavor. We are here to offer a guiding light and Expert assistance throughout this demanding process, ensuring a seamless and enjoyable experience.
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FOR INFORMATIONAL PURPOSES ONLY - This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to underwriting approval. Terms, conditions, and restrictions are subject to change based on an applicant’s eligibility and market conditions. My City Home Loans, Inc offers Equal Housing Opportunity NMLS#2468515 (https://www.nmlsconsumeraccess.org/)
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