LGBTQ+ Friendly Mortgage Lending

Apply at www.GayMortgage.com.

Once application is received, we will be in touch with a list of documents needed to complete your pre-approval.

Set up a time to consult with one of our team members to discuss mortgage options.

Shop for your new home and get an accepted offer!

Your loan file moves into processing. 

The loan processor will be in touch if there are any additional items needed.

File is approved, cleared to close and final numbers are received. 

Closing day! Congratulations!

Conventional Loans

A conventional loan might be just what you’re looking for if you have a strong credit score and a down payment ready. This type of mortgage isn’t backed by any government agency, which can make qualifying a bit more challenging, but it also means you may have more flexibility with property choices, fees, and loan structures.

Here are a few ways a conventional loan could work in your favor:

• Downpayment as little as 3% down
• Avoid private mortgage insurance (PMI) when you put down 20% or more
• Get rid of mortgage insurance once you reach 20% equity or pay down to 78% of your loan-to-value ratio
• And more!

FHA Loans

If you’re looking for a loan that’s easier to qualify for and don’t have a large down payment saved, an FHA loan might be right for you. Insured by the Federal Housing Administration, FHA loans are designed to support buyers with moderate incomes or less-than-perfect credit.

Thinking an FHA loan might be the perfect fit? Here’s why:

• Only 3.5% down payment needed
• Higher debt-to-income allowances, meaning you could afford a higher-priced home
• Access to Down Payment Assistance Programs

VA Loans

If you’re a U.S. veteran or the surviving spouse of a veteran, a VA loan could be an incredible option for you. Guaranteed by the U.S. Department of Veterans Affairs, VA loans are designed to offer long-term financing for eligible service members and their families.

Here’s how a VA loan could benefit you:

• No down payment required
• No monthly mortgage insurance
• Waived VA Funding Fee if you have at least a 10% disability rating from the VA
• Reduced closing costs

USDA Loans

Living in a rural area and looking to buy a home with limited upfront costs? A USDA loan, part of the USDA Rural Development Guaranteed Housing Loan Program, might be a great fit. This option is designed for rural homebuyers who meet certain income limits.

Curious if a USDA loan could work for you? Consider these benefits:

• 0% down payment
• Lower mortgage insurance premiums
• Competitive mortgage rates
• And more!

Jumbo Loans

Are you interested in buying a high-value property? A jumbo loan could be the solution, offering financing for homes that exceed the limits set by Fannie Mae and Freddie Mac. Since these loans cover more expensive properties, the qualification standards are more stringent.

Here’s why a jumbo loan might be the right choice for you:

• Finance up to 90% of the property with as little as 10% down and no PMI
• Fixed-rate options for 30, 20, and 15 years
• Interest-only and adjustable-rate options
• Acceptable projected income based on a signed job offer or contract if you start within 60 days of closing—ideal for relocation clients

Reverse Mortgages

If you’re 62 or older and interested in accessing your home’s equity without monthly mortgage payments, a Reverse Mortgage (also known as a Home Equity Conversion Mortgage, or HECM) could be a perfect fit. This loan option, insured by the FHA, is a great way for eligible homeowners to use their home’s equity as a source of funds.

Here’s why a Reverse Mortgage might be ideal for you:

• Access to a portion of your home’s equity in cash
• No monthly mortgage payments as long as the home remains your primary residence and loan obligations are met
• Flexible disbursement options: choose a lump sum, monthly payments, or a line of credit
• And more!