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Types of Home Loans
Whether you’re buying your first home, refinancing to save, or exploring specialized mortgage options, we’re here to guide you every step of the way.
Find the Right Home Loan for You
At Lending Harbor, we offer a wide range of home loan programs to fit your needs. From Conventional, FHA, VA, and USDA loans to Jumbo options for higher-priced homes, we’ve got you covered. We also provide non-traditional loans like Bank Statement, 1099, and DSCR programs for self-employed borrowers and investors. No matter your situation, our team will help you find the right mortgage to achieve your goals.
Home Loan Programs
Conventional Loans
A popular choice for borrowers with good credit and stable income. These loans often offer competitive rates and flexible terms for home purchases or refinances.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are ideal for buyers needing low down payments and flexible credit requirements.
VA Loans
Available to eligible veterans, active-duty service members, and surviving spouses. VA loans offer no down payment and no monthly mortgage insurance.
Fixed-Rate Second Mortgages
Tap into your home’s equity while keeping your existing mortgage in place, using second lien loans for renovations, debt consolidation, or other goals.
30-Year Fixed
Enjoy stable monthly payments and predictable budgeting with a fixed rate for the life of your 30-year mortgage.
15-Year Fixed
Pay off your mortgage faster with a lower overall interest cost and build equity quicker with a 15-year fixed-rate loan.
Non-QM Loans
Flexible mortgage options for borrowers who don’t fit traditional guidelines, including self-employed, investors, and unique income situations.
Jumbo Loans
For buyers purchasing higher-priced homes that exceed conforming loan limits. Jumbo loans offer flexible financing for luxury or high-value properties.
Adjustable-Rate Mortgage
Start with a lower initial rate that adjusts over time, ideal if you plan to move or refinance before the fixed period ends.
Start your path to homeownership
Apply today to secure a mortgage that fits your budget and lifestyle.