Your Home Loan Option Made Simple

Conforming Loan Options

Whether you’ve been living with family or renting with roommates, becoming a homeowner is a huge stepping stone in anyone’s life. Figuring out how to take the first step towards home-ownership can be challenging, but certainly not impossible. 

Here are the benefits of and reasons behind the types of loan programs we offer at HomeLend Mortgage:

Fixed Rate Mortgage

  • Least risky option
  • Same interest rate for the length of the loan
  • Predictable monthly payments
  • Good for borrowers who plan to be in one home for a long time

Learn more about the Fixed Rate Mortgage here.

Adjustable Rate Mortgage (ARM)

  • Lower interest rate during the fixed period than the fixed rate
  • Doesn’t require a refinance
  • More financial flexibility at the start
  • If you don’t plan to live in one place for long
  • Limits on how much your payments can increase

Learn more about the Adjustable Rate Mortgage here.

Jumbo Loans

  • Requested loan amount exceeds $484,350
    • Exceeding $726,525 in “high-cost” areas
  • Reasonable debt-to-income ratio
  • Robust financial health history

Learn more about Jumbo Loans here.

Federal Housing Administration Loan

  • Need a loan but can only provide a small amount of down payment
  • Provides more financial flexibility
  • Empowers homeownership in lower income individuals


  • Limited household income
  • Buy a home with as little as 3% down payment
  • Can use gift funds provided by family or friends


  • Provides home ownership for varying levels of income
  • Easier credit scoring
  • 3% down payment

Veterans Affairs Loan

  • For active duty service members or veterans
  • No down payment
  • No private mortgage insurance requirement

Still have questions?

Every buyer is different. There are so many options out there that it is possible for pretty much anyone to become a homeowner. In order to find out which program is right for you, reach out to our expert loan officers to receive your free, no hassle, no commitment quote now.


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