Loan Programs

Simplify the home loan process with

Custom Capital Lending

We explain the differences between various loan programs and help you make the best choice or you, whether it's your first or hundredth home purchase. Our experienced experts have experienced everything from a large variety of different loan programs. Our team members understand that each situation is unique and thus they offer totally customized help through consultation and answering all of your questions.

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Some of the Mortgage Options We Offer:

Conventional Home Loans

Conventional home loans are the classic mortgage products that are not guaranteed or insured by the government and generally require a slightly higher credit score and a somewhat larger down payment than FHA or VA mortgage. This home loan offers flexible terms and competitive interest rates. Coupled with the potential for reduced monthly payments.

FHA Home Loans

Flexibility and simplicity are represented by FHA loans for first-time homebuyers or with concerns about financing. Easier processes of approval, with lower requirements regarding your credit score and smaller down payment options, are sure to come with competitive rates of interest on FHA loans.

VA Home Loans

VA home loans are home financing options provided by the U.S. Department of Veterans Affairs to obtain homeownership for veterans, active members, and surviving spouses who are eligible for it. The loans come with an attractive interest rate, no down payment needed, have minimal closing costs, and no PMI.

Jumbo Home Loans

Jumbo home loans are designed for people to finance properties that exceed the regular loan limits prescribed by Fannie Mae and Freddie Mac. These provide borrowers with a chance to purchase high-value homes under good, sustainable, competitive interest rates and friendly terms.

Non-QM Home Loans

Non-QM loans are designed for the sort of borrower that, by all evidence, doesn't fit the traditional guidelines. Flexible underwriting standards are among the things that render the non-QM loans beneficial to the self-employed, individuals with irregular incomes, or people with high debt-to-income ratios.

Reverse Mortgages (HECM)

Reverse mortgage is a type of loan provided to homeowners of 62 years and older, permitting such owners to convert part of the equity in their homes into cash without necessarily selling it and without the need to pay back the mortgage on a monthly basis. This kind of loan might come in handy for retirees.

Home Equity Loans

Another option is a second home equity loan, which enables homeowners to take a loan against the equity they hold in their existing residence. They can offer an easy means of cash extraction without the effort of liquidating investments or eroding your savings.

HELOC Programs

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by the equity in a homeowner's property. This means that it allows one to borrow funds as needed up to a certain limit, usually paid off each month at a designated interest payment. In general, HELOCs have much flexibility in the use of the money for home improvements, expenses for education, or emergency needs.

Down Payment Assistance

Down payment assistance helps homebuyers overcome financial requirements associated with the first purchase of their homes. Most of the times, the programs are run by government agencies or non-profit bodies, the financial institutions that grant low-interest loans, or provide tax credits to eligible buyers.

Looking for a particular program?

Each financial situation is unique. Start the home loan process today, and we'll get in touch with you about personalized options that fit your needs.

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