LOAN OPTIONS
More Ways to Finance Your Way Home.
At Homewise Mortgage Solutions, we work with a variety of lending partners and loan programs to help you explore financing options based on your goals, circumstances, and the property you're purchasing.
Whether you're buying your first home, moving up, investing, or looking for a more specialized solution, we'll help you understand your options and what may fit your situation.
More Options.
Personal Guidance.
Confident Decisions.
There's More Than One Way Home.
No two borrowers are exactly alike. Your income, credit profile, down payment, property type, military service, long-term plans, and financial goals can all influence which mortgage options make sense.
That's one of the advantages of working with an independent mortgage brokerage. Instead of being limited to one lender's menu, Homewise can explore options across multiple lending partners.
You don't need to know which loan you need before you call us. That's our job to help you figure out.
Our Loan Options
Conventional Loans
A versatile option for many homebuyers with competitive financing choices and a variety of down-payment structures.
BEST FOR: Buyers with established credit, move-up buyers, primary residences, second homes, and some investment properties.
FHA Loans
Government-insured financing designed to offer flexible qualification options for eligible borrowers.
BEST FOR: First-time buyers and borrowers who may benefit from more flexible credit or down-payment requirements.
VA Loans
Home financing benefits available to eligible veterans, active-duty service members, and certain surviving spouses.
BEST FOR: Qualified military borrowers seeking to use their VA home loan benefit.
USDA Loans
Financing designed for eligible borrowers purchasing homes in qualifying rural and suburban areas.
BEST FOR: Qualified buyers seeking financing in eligible locations.
Jumbo Loans
Financing for properties or loan amounts that exceed conventional conforming loan limits.
BEST FOR: Higher-value homes and borrowers requiring larger loan amounts.
Investment Property Loans
Financing options designed for borrowers purchasing residential real estate as an investment.
BEST FOR: Investors, landlords, second-property buyers, and borrowers building a real estate portfolio.
Looking for Something More Specialized?
We also offer a range of specialized mortgage solutions for unique needs and circumstances.
Bank Statement Loans
For certain self-employed borrowers whose income may be better demonstrated through bank deposits.
DSCR Loans
For qualifying real estate investors where property cash flow may play a larger role in qualification.
Non-QM Options
Alternative mortgage solutions for borrowers whose circumstances may not fit traditional agency guidelines.
Down Payment Assistance
Programs that may help eligible buyers with down-payment and/or closing-cost needs.
BUYING YOUR FIRST HOME?
You Don't Have to Know Where to Start.
Buying your first home comes with a lot of questions. Down payment, credit, monthly payment, closing costs, loan programs, it can feel like a lot.
We'll help you understand the process, compare available options, and build a clear path forward.
Finding the Right Loan Starts With the Right Conversation.
Tell Us Your Goals
We start with what you're trying to accomplish, not a loan product.
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Explore Your Options
We review available mortgage solutions based on your financial picture and goals.
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Move Forward With Confidence
We help you understand the tradeoffs so you can make an informed decision.
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