We offer a comprehensive selection of conventional loan options designed to cater to the diverse needs of borrowers. Whether you're looking for the reliability of fixed-rate mortgages, the flexibility of adjustable-rate mortgages (ARMs), or specific variants like high-balance loans, we have solutions to fit your requirements. 

FHA financing presents many appealing advantages, positioning it as a desirable choice for homebuyers. With down payment requirements as low as 3.5% of the purchase price, FHA loans greatly enhance accessibility to homeownership, particularly for first-time buyers and those with limited savings. Furthermore, FHA loans generally feature more lenient credit scores and debt-to-income ratio standards, allowing borrowers with modest credit profiles and higher debt levels to qualify. 

We love VA lending! The Veterans Administration loan program offers significant advantages for Veterans and active-duty service members looking to purchase or refinance a home. As a benefit specifically designed for veterans, the VA loan program provides access to fixed-rate mortgages, often allowing for no down payment on many transactions. 

One of the standout features is the VA Interest Rate Reduction Refinance Loan (IRRRL), which will enable borrowers to refinance an existing VA guaranteed loan to secure a lower interest rate or transition from a VA adjustable-rate mortgage (ARM) to a fixed-rate mortgage, all without affecting the veteran's loan entitlement. This entitlement represents the amount the Department of Veterans Affairs is willing to guarantee on each VA home loan. Additionally, VA loans must adhere to GNMA secondary market guidelines, which include a minimum coverage requirement of 25%. This coverage combines VA-guaranteed entitlement with any borrower's cash down payment or equity.

We love VA lending! The Veterans Administration loan program offers significant advantages for Veterans and active-duty service members looking to purchase or refinance a home. As a benefit specifically designed for veterans, the VA loan program provides access to fixed-rate mortgages, often allowing for no down payment on many transactions. 

One of the standout features is the VA Interest Rate Reduction Refinance Loan (IRRRL), which will enable borrowers to refinance an existing VA guaranteed loan to secure a lower interest rate or transition from a VA adjustable-rate mortgage (ARM) to a fixed-rate mortgage, all without affecting the veteran's loan entitlement. This entitlement represents the amount the Department of Veterans Affairs is willing to guarantee on each VA home loan. Additionally, VA loans must adhere to GNMA secondary market guidelines, which include a minimum coverage requirement of 25%. This coverage combines VA-guaranteed entitlement with any borrower's cash down payment or equity.

We provide both fixed-rate and adjustable-rate mortgages (ARMs) for jumbo loans. For a loan to be classified as jumbo, the minimum amount must exceed the conforming loan limits by just $1. Additionally, all loans must be eligible for sale to appropriate investors and adhere to established guidelines. 

DSCR (Debt Service Coverage Ratio)

The NQM–DSCR product enables borrowers to qualify for investment properties based on the monthly rental income generated by the property and their credit history rather than their current income. This loan option is tailored for seasoned investors, defined as borrowers with at least 12 months of experience owning and managing commercial or residential real estate within the last three years.

Alt Income & Bank Statements Products

Broaden your borrower base with NQM Income loans. We accept a variety of alternative income documentation, including bank statements, 1099 forms, profit and loss statements, asset depletion/utilization, and even restricted stock options. This flexibility opens up many opportunities for entrepreneurs and individuals with non-traditional income sources.

Flexible Property Guidelines

This includes non-warrantable condos, large acreage, and even condotels. 

We are committed to supporting borrowers through various down payment assistance programs designed to make homeownership more accessible. By collaborating with local and state housing agencies, MortgageOne TPO provides your potential homeowners with information on available grants, loans, and programs that can help cover upfront costs. 

Our knowledgeable team is ready to assist your borrowers in assessing eligibility criteria and navigating the application process for these programs. Additionally, we offer tailored mortgage solutions that can work with down payment assistance, ensuring that borrowers secure the most beneficial financing option. Our dedicated approach aims to alleviate the financial barriers associated with down payments, empowering more individuals and families to achieve their dream of homeownership.