Loan Programs

At Title Mortgage we are committed to providing our clients with a wide array of loan programs to fit the needs of individuals with diverse financing needs. We work with the leading investors which allows us to provide the following loan programs:

Conforming Loans:

Conforming loans are the most common loans obtained by home owners. We offer long-term, fixed rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits as well as property and borrower guidelines. Having multiple investors allows us to find you the wide range of attractive options with the most aggressive rates.

Non-Conforming (Portfolio) Loans:

Portfolio loans do not meet secondary loan requirements for one reason or another. These loans are held by lenders in their portfolio.

FHA Loans:

An FHA loan is a mortgage that is insured by the Federal Housing Administration. Borrowers with FHA loans pay mortgage insurance to protect the lender in the event that the borrower was to default.

VA Home Loans:

The U.S. Department of Veterans Affairs (VA) Loans are available to active duty service members and veterans who meet the requirements of credit score, income, and have a Certificate of Eligibility.

Jumbo Loans:

Loan amounts over $417,000 are classified as “Jumbo” loans. Some lenders have difficulty financing Jumbo loans but not us! At Title Mortgage we have a range of fixed and adjustable rate options with very attractive interest rates and closing costs to fit these unique loans.

Imperfect Credit Loans:

Not everyone has a perfect credit score and at Title Mortgage we understand that a lower credit score does not mean that you should be able to qualify for a home loan. This type of loan allows borrowers with less-than-perfect credit to qualify for competitive interest rates to purchase a home or refinance to lower payments or consolidate debt.

Unique Properties:

Are you interested in a property that doesn’t quite “fit the mold?” We have investors who can think outside the box. This allows us to offer financing for properties that might otherwise be hard to finance. For example, properties with large parcels of land, properties that need a lot of work that will require you to borrow extra money for improvements and properties that only offer a seasonal dwelling.

Land:

We offer very aggressive financing options for that piece of land you’re looking at. Longer-term adjustable rates AND fixed rate programs are available with low down-payment requirements and the most flexible terms.

Construction Loans:

When looking to build a new home, talk with us about different loan options. We offer one-time closing construction loans, as well as both fixed rate and adjustable rate loan options.

Whatever circumstances bring you to Title Mortgage for a home loan it is our top priority to find a lending solution that meets your unique situation. If you are ready to take the next step take a moment to Apply Now for a loan with Title Mortgage Solution, LLC.