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Explore Our Properties
Home Financing Solutions

Loan Program

No matter what your situation is, there is a home financing solution for you.

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

1
Conventional
If you’re looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits.
2
FHA
Worried about a low credit score or not being able to afford a large down payment? With less strict requirements, a FHA home loan may be the right loan for you.
3
VA
VA loans are government-backed loans intended to help eligible service members, veterans, and military spouses to purchase homes. These loans come with great rates and payment terms, and require no down payment. Are you an active military member, veteran, reservist, or surviving spouse? You may be eligible for a VA loan!
4
Jumbo
Need a bigger loan for your property? Then a jumbo loan might be right for you. While similar to conventional loans, jumbo mortgages exceed the amount of conventional conforming loan limits. With larger loans come increased risk, so keep in mind that jumbo loan qualification requirements can be stricter.
5
Renovation
Purchase and fix up your dream home with a rehab home loan. A rehab loan lets you include the cost of home improvements and repairs into a new home loan. Finance your home’s purchase price and any repairs or upgrades to be made in one mortgage.
6
USDA
The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!
7
Commercial Lending
Investing in retail properties can be a lucrative opportunity, and at WhataMortgage, we offer loan options designed specifically for retail developments. Whether you’re acquiring a shopping center, renovating a retail space, or building a new storefront, we have the expertise to support your project.
8
Private Money Lending
At WhataMortgage, we offer private lending solutions tailored for both owner-occupied and investment properties. Whether you’re buying a home to live in or looking to invest in residential real estate, our private loans provide flexibility and fast approvals. With 3-5 year balloon terms, rates starting at 9%, and 3 points, we offer competitive financing to meet your needs.
9
Hard Money Loans
At WhataMortgage, we offer hard money lendingsolutions designed to provide fast, flexible financing for real estate investors. With rates starting at 10% and 3 points, our hard money loans are perfect for short-term investments like fix-and-flip, fix-and-rent, and new construction projects.

Learn More About the Most Suitable Loan for You

  • Save Money: With a down payment of 20% or more, you won’t need to pay for mortgage insurance.
  • Flexible Terms: Choose what mortgage term works best for you! Options include 30, 20, 15, and 10 year terms.
  • Low Down Payment Option: It’s possible to take out a conventional loan with a down payment of just 3%.
  • FICO Flexibility: The FHA home loan has less strict FICO score requirements, allowing more people to qualify for a home loan.
  • Gift Funds Allowed: Gift funds are allowed for the down payment, which means your family can help.
  • Flexible Qualification: Requirements for an FHA loan are generally more relaxed compared to other loans.
  • No money down: Purchase or refinance at 100% of the home’s value.
  • Fast processing: Let our VA team guide you through a fast and easy process.
  • Multiple uses: Use your VA loans to purchase property, refinance an existing loan, and even to build or improve your home.
  • Save on mortgage insurance: VA loans don’t require mortgage insurance no matter how much deposit you put down.
  • Purchasing a high end home: Consider a jumbo loan if you need a loan that exceeds your county’s conforming loan limit.
  • Eliminate the need to have multiple loans: Provides the convenience of one loan for the entire loan amount, with a variety of options.
  • Save on mortgage insurance: Since a 20% down payment is often required for jumbo loans, private mortgage insurance isn’t always required.
  • Save Money: Combine your rehab loan and your mortgage into a single home loan, which limits your loan closing costs.
  • Buying or refinancing: Our rehab loan is available to both buyers and refinancing households.
  • Expanded Options: Find the right rehab loan whatever your home improvement project and needs.
  • 100% financing: That’s right! This program offers 100% financing for qualifying members.
  • First time buyer friendly: USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
  • No homeowner counseling required: Unlike some other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

Doubts? Inquiries?

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