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

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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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Option for investors with no tax returns or employment verification required

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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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