I am interested in
- Purchasing
- Refinancing
![The Fannie Mae HomeReady® Mortgage is built for buyer’s who have low to moderate income and are either a first-time or repeat homebuyer. You must have a credit score of 620 or higher with at least a 3% down payment. Consult your Loan Originator for details.](https://southeastmortgage.com/wp-content/uploads/2018/12/condo-loan.jpg)
I want to purchase a home, but I don’t have a large down payment.
The Fannie Mae HomeReady® Mortgage is built for buyer’s who have low to moderate income and are either a first-time or repeat homebuyer. You must have a credit score of 620 or higher with at least a 3% down payment. Consult your Loan Originator for details.
![Similar to the Freddie Mac Home Possible® program, this Freddie Mac HomeOne℠ Mortgage program also offers a 3% down payment but without income or geography restrictions.](https://southeastmortgage.com/wp-content/uploads/2018/12/Fannie-Mae-Home-Ready.jpg)
I am a first-time homebuyer looking for a low-down payment option.
Similar to the Freddie Mac Home Possible® program, this Freddie Mac HomeOne℠ Mortgage program also offers a 3% down payment but without income or geography restrictions.
![Freddie Mac Home Possible® mortgages is built for homebuyers who have low to moderate income and are either a first-time or repeat homebuyer. You must have a credit score of 620 or higher with at least a 3% down payment. Consult your Loan Originator for details.](https://southeastmortgage.com/wp-content/uploads/2018/12/Freddie-Mac-Home-Possible-Advantage.jpg)
I’m ready to buy, but I don’t have enough of a down payment.
Freddie Mac Home Possible® mortgages is built for homebuyers who have low to moderate income and are either a first-time or repeat homebuyer. You must have a credit score of 620 or higher with at least a 3% down payment. Consult your Loan Originator for details.
![Conventional loans give clients down payment options. If you have saved enough for a 20% down payment, you will eliminate mortgage insurance. Will accept down payments as low as 3%.](https://southeastmortgage.com/wp-content/uploads/2018/12/Conventional-Purchase.jpg)
I have a pretty good credit score and would like the ability to eliminate mortgage insurance.
Conventional loans give clients down payment options. If you have saved enough for a 20% down payment, you will eliminate mortgage insurance. Will accept down payments as low as 3%.
![Manage Netchex](https://southeastmortgage.com/wp-content/uploads/2018/12/FHA-loan.jpg)
I am looking to purchase a home but I don’t have a perfect credit score.
An FHA loan is considered one of the easiest types of mortgage loans to qualify for. This loan type requires a low down payment and you can have less-than-perfect credit to qualify.
![Jumbo loans are for individuals who are looking to purchase a higher priced home and are able to provide above at least a 5% down payment. This loan type frequently requires a higher credit score and larger cash reserves.](https://southeastmortgage.com/wp-content/uploads/2018/12/Jumbo-loan.jpg)
I am looking to purchase a home above the average purchase price.
Jumbo loans are for individuals who are looking to purchase a higher priced home and are able to provide above at least a 5% down payment. This loan type frequently requires a higher credit score and larger cash reserves.
![A USDA loan is for homebuyers looking to purchase in rural areas. This loan offers a fixed rate and no down payment.](https://southeastmortgage.com/wp-content/uploads/2018/12/USDA-loan.jpg)
I am looking for a low down payment option in a rural area.
A USDA loan is for homebuyers looking to purchase in rural areas. This loan offers a fixed rate and no down payment.
![A VA loan is for active or former US Military personnel who can have less than perfect credit or great credit and no down payment.](https://southeastmortgage.com/wp-content/uploads/2018/12/VA-loan.jpg)
I am a Veteran looking to purchase a home with no down payment.
A VA loan is for active or former US Military personnel who can have less than perfect credit or great credit and no down payment.
![A Renovation Loan is for homebuyers looking for a fixer upper financing solution.](https://southeastmortgage.com/wp-content/uploads/2018/12/Renovation-loan.jpg)
I’m looking to purchase a home that needs some repairs.
A Renovation Loan is for homebuyers looking for a fixer upper financing solution.
![Based on your needs, we can offer loan options such as Non-Warrantable Condo loans, asset depletion, extended lock periods up to 360 days, interest only payments or second mortgages.](https://southeastmortgage.com/wp-content/uploads/2019/01/shutterstock_207505354-e1547568237612.jpg)
I don’t see an option that fits my needs.
Based on your needs, we can offer loan options such as Non-Warrantable Condo loans, asset depletion, extended lock periods up to 360 days, interest only payments or second mortgages.
![The Home Equity Conversion Mortgage (HECM) for Purchase loan is a reverse mortgage that helps mature adults use the equity from the sale of their previous residence to fund the purchase of their next home.](https://southeastmortgage.com/wp-content/uploads/2023/04/Reverse-for-SEM-Web.jpg)
I am over the age of 62 and looking for ways to supplement my income.
The Home Equity Conversion Mortgage (HECM) for Purchase loan is a reverse mortgage that helps mature adults use the equity from the sale of their previous residence to fund the purchase of their next home.
![The Fannie Mae HomeReady® Mortgage is built for buyer’s who have low to moderate income and are either a first-time or repeat homeowner. You must have a credit score of 620 or higher. Consult your Loan Originator for details.](https://southeastmortgage.com/wp-content/uploads/2018/12/condo-loan.jpg)
Fannie Mae HomeReady® Mortgage
The Fannie Mae HomeReady® Mortgage is built for buyer’s who have low to moderate income and are either a first-time or repeat homeowner. You must have a credit score of 620 or higher. Consult your Loan Originator for details.
![A conventional loan is one of the most flexible programs on the market. You can cancel FHA Mortgage Insurance, refinance with a conventional loan to consolidate a first and second mortgage, refinance another conventional loan, cancel FHA Mortgage Insurance and more. Consult your Loan Originator for details.](https://southeastmortgage.com/wp-content/uploads/2018/12/Conventional-Purchase.jpg)
Conventional Loans
A conventional loan is one of the most flexible programs on the market. You can cancel FHA Mortgage Insurance, refinance with a conventional loan to consolidate a first and second mortgage, refinance another conventional loan, cancel FHA Mortgage Insurance and more. Consult your Loan Originator for details.
![Freddie Mac Home Possible® mortgages is built for homeowners who have low to moderate income and are either a first-time or repeat homeowner. You must have a credit score of 620 or higher. Consult your Loan Originator for details.](https://southeastmortgage.com/wp-content/uploads/2018/12/Freddie-Mac-Home-Possible-Advantage.jpg)
Freddie Mac Home Possible®
Freddie Mac Home Possible® mortgages is built for homeowners who have low to moderate income and are either a first-time or repeat homeowner. You must have a credit score of 620 or higher. Consult your Loan Originator for details.
![Similar to the Freddie Mac Home Possible® program, this Freddie Mac HomeOne℠ Mortgage program is also for homeowner who have low to moderate income and have a credit score of 620 or higher.](https://southeastmortgage.com/wp-content/uploads/2018/12/Fannie-Mae-Home-Ready.jpg)
Freddie Mac HomeOne℠ Mortgage
Similar to the Freddie Mac Home Possible® program, this Freddie Mac HomeOne℠ Mortgage program is also for homeowner who have low to moderate income and have a credit score of 620 or higher.
![Manage Netchex](https://southeastmortgage.com/wp-content/uploads/2018/12/FHA-loan.jpg)
FHA Loans
An FHA loan is especially beneficial to homeowners whose property has increased in market value since they purchased the home. The homeowner must have a minimum credit score of 580 to qualify.
![Refinancing a Jumbo Loan requires a 660 minimum credit score, a maximum debt-to-income ratio of 43%, no more than four mortgaged properties, and a loan-to-value ratio of no more than 80%. Consult your Loan Originator for Details.](https://southeastmortgage.com/wp-content/uploads/2018/12/Jumbo-loan.jpg)
Jumbo Loans
Refinancing a Jumbo Loan requires a 660 minimum credit score, a maximum debt-to-income ratio of 43%, no more than four mortgaged properties, and a loan-to-value ratio of no more than 80%. Consult your Loan Originator for Details.
![A USDA loan is for homebuyers looking to purchase in rural areas. This loan offers a fixed rate and no down payment.](https://southeastmortgage.com/wp-content/uploads/2018/12/USDA-loan.jpg)
USDA
A USDA loan is for homebuyers looking to purchase in rural areas. This loan offers a fixed rate and no down payment.
![A VA loan can be refinanced up to 100% of the home’s value and does not require mortgage insurance to be paid. This loan program provides qualified homeowners a simple way to take advantage of low rates and decrease their monthly mortgage payment.](https://southeastmortgage.com/wp-content/uploads/2018/12/VA-loan.jpg)
VA
A VA loan can be refinanced up to 100% of the home’s value and does not require mortgage insurance to be paid. This loan program provides qualified homeowners a simple way to take advantage of low rates and decrease their monthly mortgage payment.
![The Home Equity Conversion Mortgage (HECM) for Purchase loan is a reverse mortgage that helps mature adults use the equity from the sale of their previous residence to fund the purchase of their next home.](https://southeastmortgage.com/wp-content/uploads/2023/04/Reverse-for-SEM-Web.jpg)
Reverse Mortgage
The Home Equity Conversion Mortgage (HECM) for Purchase loan is a reverse mortgage that helps mature adults use the equity from the sale of their previous residence to fund the purchase of their next home.