Loan programs

A loan for every path home.

The everyday programs you'd expect - plus the harder files most lenders won't touch. If there's a way to the closing table, we'll find it together.

Everyday loans Specialty loans
The everyday loans

Where most people start

Competitive, well-known programs for buying and refinancing - matched to your goals and structured to close on time.

Conventional

Fixed and adjustable rates for strong-credit buyers.

  • As little as 3% down
  • Cancellable PMI
  • Primary, second & investment

FHA

Government-backed loans with flexible guidelines.

  • 3.5% down
  • Flexible credit - down to 500 FICO*
  • Gift funds allowed

VA

Earned benefits for those who served.

  • 0% down
  • No monthly PMI
  • Competitive fixed rates

USDA

Zero-down financing for eligible rural and suburban areas.

  • 0% down
  • Income limits apply
  • Geographic eligibility

Refinance

Reset your rate or term, or put your equity to work.

  • Rate & term
  • Cash-out
  • Debt consolidation

Jumbo

Financing above conforming limits for higher-priced homes.

  • High loan amounts
  • Competitive rates
  • Flexible terms

HELOC

Tap your home’s equity with a flexible line of credit.

  • Draw only what you need
  • Great for reno or debt payoff
  • Keep your existing first mortgage
Where I'm different

Any mortgage company can close an 800-FICO, 20%-down vanilla deal.

It takes a special one to close these.

★
FHA Down to a 500 FICOWhen credit is still healing - we can still get you home.Run an FHA scenario →
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DSCR Loans (Debt Service Coverage Ratio)Investor financing based on the property's cash flow, not yours.Run a DSCR scenario →
★
RENO Loans (Renovation)Buy it and fix it - all in one closing.See the renovation page →
★
Construction Draw LoansFrom dirt to keys, fully funded along the way.
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Bank Statement LoansSelf-employed? Your deposits ARE your income.See Non-QM programs →
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Asset Depletion LoansGot the assets but not the W-2? We'll qualify you on what you've built.Watch the video →
★
NAF CashWe'll buy the home with OUR cash. You close on it later.Watch the video →
★
Land & Lot LoansBuy the land now, build when you’re ready - financing when others won’t.See land loans →
All Non-QM Offerings → …and SO much more!

*Program availability, rates and terms are subject to credit approval and may change without notice. Minimum FICO and other requirements vary by program. This is not a commitment to lend. The Marchand Team is powered by New American Funding. NMLS #6606 · Individual NMLS #481563. Equal Housing Lender.