Purchasing

Whether you are purchasing for the first time homebuyer or are a savvy investor, buying a home is dependent factors such as your income, credit, assets, and collateral.  Each program has its own requirements to qualify. These requirements are called guidelines.  Different banks and lenders set forth their own guidelines which is why you may qualify for more with certain lenders, and less with others.  Just because your bank said you do not qualify, this may mean that you don't qualify with them. Chances are, your Mortgage Heroes have a loan program for you!

This can seem overwhelming, but don't fret because you're not in this alone! The Mortgage Hero team will help you navigate these programs each step of the way!

Conforming Loan Programs

Conventional

FHA

VA

USDA

Reverse

Non-Conforming Loan Programs

Bank Statement Program

DSCR Program (Debt Service Coverage Ratio)

Stated Income Loans (No income docs)

Asset Qualifier Program

1099 Only Program

P & L Only Program

ITIN Program

Foreign Investor Program

Fix & Flip Short Term Program