HOME LOAN OPTIONS
Whether you’re a new home buyer looking for a first-time mortgage or needing to refinance your home mortgage, hundreds of mortgage and refinancing loan options are available, each with its own qualification and terms. Luckily, you don’t have to face it alone. At GLF Mortgage, we understand there is no one-size-fits-all solution to home financing. I will work with you to find the best types of mortgages for your individual needs.
Fixed Rate Loans
With a Fixed Rate Loan, your interest rate and monthly payment will remain the same even if market rates increase. This loan is the most popular home loan because it offers the security of knowing exactly what your mortgage expenses will be for the entire length of the loan. We provide both 30 Year Fixed Rate Loans and 15 Year Fixed Rate Loans.
Jumbo Mortgage Loans
Conventional loans are often not enough to cover the financing for high-priced luxury homes. A Jumbo mortgage is a privately securitized mortgage with higher payouts that can be used to finance up to 97 percent of your new home.
No Tax Return Loans
Ideal for investors who are self-employed or retired.
Apartment and Commercial Loans
Niche multi-family and commercial property programs.
Home Affordable Refinance Program (HARP) Loans
The updates to the government’s Home Affordable Refinance Program, termed HARP 2.0, helps homeowners, that were previously unable to refinance due to loan-to-value guidelines, take advantage of today’s low interest rates.
FHA Loans
These are federally insured loans that offer financing to people who may struggle to qualify for traditional loans. Typically, FHA loans require little to no down payment, and feature flexible terms, making them popular among first-time home buyers and those with less-than perfect credit.
Reverse Mortgage Loans
Seniors aged 62 and over are able to convert the equity in their homes to monthly income or a line of credit. Reverse Mortgages can also be used to purchase your retirement home.
Foreign National Program Loans
From $500K to $25 million.
Investment Property Loans
Ideal for investors who are self-employed or retired.
Home Improvement Loans
Finance alterations, remodeling or structural improvements with one of our Home Improvement Loans. These loans allow your mortgage balance to exceed the purchase price or appraised value of the home, so you can take out extra money for upgrades.
VA Loans
Active duty military personnel and veterans can qualify for special mortgage rates and housing programs that are federally insured by the United States Department of Veterans Affairs.
Complex and Interest Only Loans
Including no tax return and balance sheet loan programs.
Bridge Loans
High-end residential developer financing and bridge loans.