Not all loans are
created equal.
Neither are you.
We're mortgage brokers, which means we shop 40+ lenders to find the program that actually fits your situation. Not just what's easiest for us to sell.
Not sure which loan fits?
Let's figure it out.
Answer 3 quick questions and we'll point you in the right direction.
Every loan, explained.
Explore the details on each program and see which fits your situation. When you're ready, we'll take it from there.
The most widely used mortgage in America, and for good reason. Conventional loans offer flexible terms, competitive rates, and fewer restrictions than government-backed programs. If you have solid credit and some savings, this is often your best starting point.
Insured by the Federal Housing Administration, FHA loans are built to make homeownership accessible. More flexible credit requirements and lower down payments make this a go-to option for first-time buyers and anyone who's had a few financial bumps along the way.
One of the most powerful home loan benefits available, and one of the most underused. Qualifying veterans, active service members, and their spouses can purchase a home with zero down payment, no mortgage insurance, and competitive rates. You've earned this. Let's put it to work.
Backed by the U.S. Department of Agriculture, USDA loans offer 100% financing for homes in eligible rural and suburban areas. More areas qualify than most people expect, and the benefits are hard to beat. No down payment, no private mortgage insurance, and flexible credit requirements.
When the home you're buying exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, you need a jumbo loan. These are often used for high-value primary homes, vacation properties, and investment real estate, and they come with their own underwriting standards.
If you already own a home, refinancing could be the smartest financial move you make this year. Whether you're looking to lower your monthly payment, shorten your loan term, or tap your equity for home improvements or other goals, we'll compare options across 40+ lenders to find your best deal.
Programs not every
lender offers.
Because we're brokers with 40+ lender relationships, we can place loans that big banks and single-lender shops simply can't. If your situation is a little outside the box, this is where we shine.
Build your rental portfolio without the usual income hoops. DSCR loans qualify you on the property's cash flow, not your personal tax returns.
- Qualify on rental income, not personal DTI
- Great for single-family rentals and small multifamily
- Scale your portfolio without W-2 limits
Self-employed, 1099, or a business owner? When your tax returns don't tell the whole story, we can qualify you using 12 to 24 months of bank statements instead.
- Qualify on bank deposits, not tax returns
- Built for entrepreneurs and 1099 earners
- Write-offs won't work against you
Temporarily or permanently lower your interest rate. A 2-1 buy-down can ease you into your payment, and seller-paid buy-downs are a powerful negotiating tool.
- Temporary (2-1, 3-2-1) and permanent options
- Often negotiable as a seller-paid concession
- Lower payments in the early years
Don't see your scenario? Non-QM, alternative-documentation, and other specialty financing. If a lender out there offers it, chances are we can get you to the right one. Just ask.
Talk to an Advisor →Fixed or adjustable?
Here's the difference.
Once you pick a loan program, you'll also choose a rate structure. Here's what you need to know about each.
The interest rate you get at closing is the rate you'll pay for the life of the loan. Your principal and interest payment never changes, regardless of what happens in the market.
Your rate is fixed for an initial period (typically 5, 7, or 10 years), then adjusts periodically based on market conditions. ARMs usually start with a lower rate than fixed, but that rate can go up or down over time.
Still not sure which loan
is right for you?
That's exactly what we're here for. A 15-minute call with one of our advisors will tell you more than any website can. No pressure, just clarity.
Secure Choice Mortgage · JJFM, LLC · NMLS #2356464 · Licensed in NC, SC, VA, FL, and TN · Equal Housing Lender · Loan program availability, eligibility requirements, rates, and terms are subject to change without notice and may vary based on creditworthiness, property type, loan amount, and other factors. This page is for informational purposes only and does not constitute a loan commitment or guarantee. Contact a licensed advisor for an accurate quote. nmlsconsumeraccess.org