• Fixed-Rate Mortgages (FRM) (Conventional: Fannie Mae & Freddie Mac)

  • The traditional choice, with constant monthly principal and interest payments throughout the loan term.

• Adjustable-Rate Mortgages (ARM) (Conventional: Fannie Mae & Freddie Mac)

  • Interest payments fluctuate based on market conditions, typically starting with a fixed rate for a specified period.

• FHA

  • Federally insured loans by the Federal Housing Administration (FHA), offering low mortgage rates and minimal down payments with a minimum credit score of 500* or 580.

• VA Loans

  • Government-guaranteed mortgages for military veterans and qualified active duty members, featuring benefits such as low interest rates and no down payment.

• Non-QM (Non-Qualified Mortgage)

  • Providing flexibility to borrowers outside traditional compliance guidelines, suitable for unique financial situations.

  • Bank Statement Loans, DSCR / Investor Cash Flow, Foreign National, etc.

• Fannie Mae HomeReady

  • For low-to-moderate income homebuyers, requiring as little as 3% down and accessible to credit scores as low as 620.

• Fannie Mae HomeStyle Renovation Mortgage

  • Allows borrowers to finance home improvements with a single-close first mortgage, streamlining the renovation process.

• Freddie Mac Home Possible Mortgage

  • Offers low down payments for low-to-moderate-income homebuyers, particularly in high-cost or underserved communities accessible to credit scores as low as 620.

• Jumbo Mortgages

  • For high-priced or luxury homes, accommodating borrowers with lower debt-to-income ratios and higher credit scores.

• USDA Loans

• Backed by the U.S. Department of Agriculture, providing mortgages for homes in designated rural areas without a down payment.

• FHA 203(K) Mortgage

  • FHA's primary program for the rehabilitation and repair of single-family properties, promoting community revitalization.

• Manufactured Home Loans

  • Financing for factory-built homes, catering to the affordable housing needs of many Americans.

• Conventional Loans

  • Mortgage not backed by the federal government, ideal for borrowers with steady income, strong credit, and a minimum 3% down payment.

• High-Balance Loans

  • A conventional loan exceeding standard conforming loan limits but staying within limits set for high-cost areas.

• Second Mortgages: Home Equity Loans and HELOCs

  • Borrow against home equity, with home equity loans providing a lump-sum amount, and HELOCs offering a revolving credit line.

Disclaimer: Products, availability, and other factors related to mortgage options at Holy City Mortgage LLC are subject to change without notice. We recommend consulting with our mortgage professionals for the most up-to-date and accurate information regarding our loan offerings.