Services | Real Deal Mortgage S

HOME LOANS

Financing options for the way you want to live.

Every buyer and every property is different. We help you understand the available paths and connect with lending partners whose guidelines may fit your goals.

Conventional loans

A widely used option for primary homes, second homes, and certain investment properties, subject to borrower and lender qualifications.

Purchase or refinance

Flexible property uses

Multiple down-payment structures

FHA loans

Government-insured financing that may offer more accessible credit and down-payment requirements for eligible borrowers.

Primary residences

Lower down-payment possibilities

Subject to FHA and lender guidelines

VA loans

A benefit-backed option for eligible veterans, active-duty service members, and certain surviving spouses.

Potential zero-down options

Primary residences

Certificate of Eligibility required

USDA loans

Financing designed for eligible borrowers purchasing homes in qualifying rural and suburban areas.

Eligible locations only

Income limits apply

Potential zero-down options

SPECIALITY SOLUTIONS

When a traditional mortgage is not the whole story.

Some buyers, investors, and projects need financing evaluated through a different lens. Through select lending partners, we can explore specialized programs based on the scenario.

Discuss your scenario

DSCR

Financing that may evaluate an investment property using its rental income rather than relying only on the borrower’s personal income.

ITIN

Programs that may be available to eligible borrowers who use an Individual Taxpayer Identification Number rather than a Social Security number.

Construction

Options that may help finance an eligible building project, subject to plans, budget, builder, borrower, and lender requirements.

Other scenarios

Self-employment, nontraditional income, or a unique property may call for a conversation before assuming a standard path will not work.