At Fresh Home Loan Inc., we understand that every homebuyer, investor, and homeowner has unique financial needs. Whether you’re purchasing your first home, expanding your real estate portfolio, refinancing for better terms, or funding a renovation, we have the right loan program for you.
Our mission is simple: to provide expert guidance and flexible financing solutions that help you achieve your homeownership and investment goals. From traditional mortgage options to specialized loan programs, we have the expertise and resources to serve a diverse range of borrowers.
🏡 Loan Products at Fresh Home Loan Inc. 🏡
🔥 Specialized & Unique Loan Programs
- 🏚️Fix & Flip Loans – Short-term financing for investors renovating and reselling homes.
- DSCR (Debt-Service Coverage Ratio) Loans – For real estate investors qualifying based on rental income.
- 🏦 Bank Statement Loans – For self-employed borrowers qualifying based on bank deposits instead of tax returns.
- 💎 Asset-Based Loans – Qualification based on liquid assets rather than traditional income.
- 📉 Interest-Only Loans – Lower monthly payments with interest-only payments for a set period.
- ⚡ Hard Money Loans – Fast funding based on property equity rather than borrower credit.
🏗️ Construction, Land & Agricultural Loans
- 🏠Construction-to-Permanent Loan – Financing that converts into a standard mortgage once construction is complete.
- 🚧 Ground-Up Construction Loan – Custom financing for new home builds.
- 🌲 Lot & Land Loans – Financing for purchasing land before building.
- 🚜 Agricultural Loans (Ag Loans) – Financing for farms, ranches, and agricultural property.
- 🔨 FHA 203(k) Renovation Loan – Funds for home purchase + renovations.
🔄 Reverse Mortgages
- 🔙HECM (Home Equity Conversion Mortgage) – Government-backed reverse mortgage for homeowners 62+.
- 💵 Jumbo Reverse Mortgage – For homeowners with high-value properties exceeding HECM limits.
🏠 First-Time Homebuyer & Specialty Programs
- 🎉First-Time Homebuyers: Welcome Home RateBreak – Special first-time buyer benefits from Rocket Mortgage.
- 💲 Down Payment Assistance Programs – State and local programs for qualified buyers.
- 🌉 Bridge Loans – Short-term financing to buy a new home before selling an existing one.
- 🏡 CalHFA Loans – State-backed assistance for first-time homebuyers in California.
💰 Jumbo Loans
- 🏦Jumbo Fixed-Rate Loan – Financing for high-value properties exceeding conforming limits.
- 📈 Jumbo ARM – Lower initial rates with adjustable terms for large loans.
📜 Conventional Loans
- 📆Conventional 30-Year Fixed – Standard loan with fixed payments.
- ⏳ Conventional 15-Year Fixed – Faster payoff with lower total interest.
- 🔀 Adjustable-Rate Mortgage (ARM) – Lower initial rates with rate adjustments over time.
- 💲 High-Balance Conventional Loans – For high-cost areas exceeding standard loan limits.
🏅 FHA Loans (Federal Housing Administration)
- 🏡FHA 30-Year Fixed – Low down payment (3.5%) with flexible credit requirements.
- 🔄 FHA Streamline Refinance – Simplified refinancing for current FHA borrowers.
🎖️ VA Loans (Veterans Affairs)
- VA Purchase Loan – Zero down payment for eligible veterans and service members.
- 📉 VA Interest Rate Reduction Refinance Loan (IRRRL) – Simplified refinancing for existing VA loans.
- 🏡 VA Jumbo Loan – VA financing for high-cost properties.
🌾 USDA Loans (United States Department of Agriculture)
- 🌻USDA Rural Development Loan – 100% financing for homes in eligible rural areas.
💳 Refinance Loans & Home Equity Options
- 🔄Rate-and-Term Refinance – Lower rate or change loan terms.
- 💰 Cash-Out Refinance – Convert home equity into cash.
- 💳 HELOC (Home Equity Line of Credit) – Revolving credit using home equity.
- 🏦 Home Equity Loan – Lump-sum loan secured by home equity.
🏡 Let’s Make Homeownership Happen
At Fresh Home Loan Inc., we’re not just about mortgages – we’re about helping you build wealth through real estate, securing your financial future, and making the loan process as smooth as possible. Our experienced team is ready to guide you every step of the way.
Looking for the right loan? Let’s talk! Contact us today to explore your options.
https://freshhomeloan.com/schedule-a-meeting/
Or call us at 510.282.5456
If you want to discuss something, give me a call or lets meet: https://api.leadconnectorhq.com/widget/bookings/meetwithgarrickhere
