Home Loan Products & Programs

At First Option Mortgage, we strive to give borrowers a variety of choices that fit their needs.
Take a look at our loan options and discover the one that’s just right for you.

Standard Loan Products

Conventional loans offer borrowers flexibility, competitive interest rates, and a straightforward application process.

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FHA has fairly lenient guidelines which is why many first-time homebuyers choose this program. 

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A Veteran’s Administration (VA) loan is one of the ways our country gives back to veterans to help them realize the American dream of homeownership.

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USDA Loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate, or purchase a home.

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Loan amounts that exceed conforming limits set by the Federal Housing Finance Agency (FHFA) will require this type of loan.

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Specialized Loan Products

Tailored to assist low-to-moderate income borrowers

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HomeStart loans require as little as 0% down and have no income limit or first-time buyer requirement.

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Borrowers can use their Individual Tax Id Number (instead of SSN) to qualify for a mortgage, as long as they meet the eligibility requirements.

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Uses bank statements, rather than tax returns, to verify income.

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Option for investors with no tax returns or employment verification required

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Not sure what you’re looking for? Don’t worry.
Our team of Home Loan Experts is ready to help you find the perfect mortgage solution to fit your needs. Connect with us today to get to get started.