Our Services
At Freedom First Mortgage Group, we offer a variety of loan products tailored to meet your unique financial needs, from home purchases to real estate investments and business funding. Explore our full range of loan options below to find the perfect solution for your goals!
Government-Backed Loans
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Federal Housing Administration (FHA) requires low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required
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Veterans Affairs (VA) loans have no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.
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The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area.
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Small Business Administration loans that help small businesses secure financing with lower down payments and flexible terms.
Traditional and Non-Conforming Loans
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A traditional loan that is not insured or guaranteed by the government, typically requiring higher credit scores and larger down payments.
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A jumbo loan exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac, often requiring higher credit and down payment requirements.
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Bank statements are used to verify income, often for self-employed individuals who have difficulty documenting their earnings through traditional means.
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A loan option that uses a borrower’s profit and loss statement to determine income, ideal for self-employed borrowers or small business owners.
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A loan where income verification is not required, often for borrowers with significant assets or unique financial situations.
Specialized & Commercial Loans
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A loan that combines the financing for both the construction and permanent mortgage into one loan, often used for new home construction.
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A loan used for real estate investors that calculates eligibility based on the property’s debt service coverage ratio, rather than the borrower’s personal income.
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A loan used to finance commercial properties, such as office buildings, retail centers, or industrial spaces, with terms based on the property’s cash flow.
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A loan held by a lender in its own portfolio, rather than being sold to investors, allowing for more flexible terms and conditions tailored to the borrower’s needs.