Purchase


Conventional Loans

Conventional loans are loans which are not insured by the federal government. Unlike a government-insured loan, you can use a conventional loan for a second home or investment property. A conventional loan can also cover higher loan amounts than government-insured loans, and save you money on mortgage insurance.



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Purchase


FHA Loans

FHA loans, which are insured through the Federal Housing Administration, offer many benefits to borrowers even if you have had credit problems in the past or have limited funds available for a down payment or closing costs. Some benefits of an FHA purchase:

  • Low competitive interest rates
  • Lower mortgage insurance premiums
  • Gift funds can be used for down payment or closing costs


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Purchase


VA Loans

If you’re a current or former member of the U.S. armed forces and looking to buy or refinance a home, we can help you get a loan with no down payment, no mortgage insurance, and lower interest rates than a conventional loan. You’ve served our country. Let us serve you.



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Purchase


Jumbo Loans

If you have your eye on a higher-priced property, a jumbo loan might be the best choice for you. A jumbo loan doesn’t have to meet the limits of the government-sponsored entities Fannie Mae or Freddie Mac, and can exceed the maximum price of $417,000 for a first mortgage. They can be used for primary homes, secondary homes, vacation homes and investment properties.



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Purchase


USDA Loans

Federally backed USDA loans offer many benefits not available in other loan programs, geared toward getting you the financing you need to be a homeowner. These loans are for income-qualified borrowers looking to buy homes in U.S. Department of Agriculture-approved rural areas — a designation that’s not nearly as restrictive as you might think.



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Refinance


Conventional Loans

What would you do with hundreds of extra dollars a month? When you refinance into a new, lower rate through AnnieMac Home Mortgage, that’s what you can save.

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Refinance


FHA Loans

Don’t give up on the benefits of refinancing because of past credit problems or limited funds for a down payment. FHA loans, insured through the federal government, were created specifically to help people in your situation.

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Refinance


VA Loans

Loans backed by the U.S. Department of Veterans Affairs can be used for refinances as well as purchases. If you’re a current or former member of the U.S. armed forces, we can help you get a loan with no down payment, no mortgage insurance, and lower interest rates than a conventional loan.

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Refinance


Jumbo Loans

If you want to get a refinance, and live in an area with more expensive real estate, a jumbo loan might be right for you. It covers loan amounts of more than $417,000.

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Refinance


USDA Loans

Contrary to their name, USDA Rural Development home loans aren’t exclusively for agricultural areas, or even for places far out in the country. For income-qualified borrowers, they provide refinancing with no down payment at competitive rates.

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Renovation Lending


Want to remodel? Need new appliances?

A renovation loan lets borrowers fund the purchase and renovation in one transaction. It also allows them to customize a property — just not to buy a place, but to make it into the home they want.

Construction Lending


Don't look for the home of your dreams. Build one.

With construction-to-permanent financing, the construction loan and the long-term mortgage are all part of the same transaction. One closing will take borrowers all the way from construction, through moving day, through their new lives as owners and occupants of special homes built to meet their individual needs.

Real Estate Professionals


Get certified and provide your clients with...

A renovation loan lets borrowers fund repairs and a long-term mortgage, all in one transaction. So it can help you sell properties that might otherwise be unsellable because they need repairs. Our Renovation Certification training will educate you about all the possibilities of this exciting loan product.

Builders


We love builders.

Construction-to-permanent loans let borrowers fund construction and a long-term mortgage in one transaction. That translates into advantages for homeowners, and opportunities for builders

Contractors


Put down that nail gun.

We specialize in renovation loans, which fund improvement projects consisting of anything from minor improvements to major renovations. Our Renovation Certification training will educate you about what a renovation loan can do for borrowers, and the opportunities it represents for you.