Home Loan Programs

What’s The Best Mortgage Loan Solution For Me?

Home Improvement Loans

Renovation Loans

FHA 203k and other rehab loan programs for purchasing or refinancing a property and financing the upgrades.
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Veteran Loans VA

VA Home Loans

For eligible veterans, active duty service members, spouses, National Guard members and reservists.
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Rural Living USDA

USDA Home Loans

USDA Mortgages spur homeownership in rural and underdeveloped areas with low down payment options.
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Flexible Underwriting FHA

FHA Home Loans

Lower down payments as well as more flexible credit and income qualifying guidelines.
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Underwater Refinance HARP

Harp Refinance

You may be able to refinance your mortgage, regardless of your appraised value.
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Loans for Seniors Reverse

Reverse Mortgage

Available to borrowers 62 years or older to convert part of the equity in their homes into cash.
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Conventional Loans Most Common

Conventional Loans

The most common mortgage program for loan sizes that fit within conforming loan limits.
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Higher Loan Size Jumo Loans

Jumbo Mortgages

If your loan size is higher than the conforming loan limints in your area.
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Renovation Loans

Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money and simplifies the home renovation process.

  • Renovating? Save Money! Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.
  • Insured by the FHA. The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.
  • Buying or Refinancing. The 203k loan is available to both buyers and refinancing households.
  • Streamline your 203k. The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a construction loan size limit.

FHA Home Loans

An FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, an FHA loan will help our clients with less-than-perfect-credit!

  • Streamlined Refinance. Refinance quickly without an appraisal.
  • Quick Processing. Our FHA team is experienced to get your FHA loan funded quickly.
  • Flexible Credit. More flexible with credit scores and history.
  • Gift Funds Allowed. Your friends and family can help finance your dream home.

Veteran VA Home Loans

For the men and women that served us, we serve you by offering one of our best products.
  • You Earned This. For the men and women that served us, we serve you by offering our best product.
  • No Money Down. Purchase or refinance at 100% of the home’s value.
  • Fast Processing. Let our VA team guide you through a fast and easy process.
  • Turnkey Process. Receive your VA loan quickly and easily today.

USDA Rural Home Loans

The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!
  • Low Down Payment. That’s right! This program offers 100% financing for qualifying members.
  • No Homeowner Counseling Required. Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.
  • First-Time Buyer Friendly. USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
  • Insured by the U.S. Department of Agriculture. Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates.

HARP Home Affordable Refinance Program

Owe more on your home than it’s worth? No problem! Welcome to the simple solution.

  • Many Qualify Over 2.5 million have taken advantage.
  • Recent Changes It’s now easier to qualify than ever before.
  • High LTV’s Ok Even if you are underwater on your loan.
  • HARP Experts We have an expert in-house to help you.

HECM Reverse Mortgage Loan For Seniors

Eliminate Mortgage Payments Forever. Live comfortable in your retirement. If you are over 62 years old, there are multiple ways to get your money from a reverse.
  • No Payments With a reverse mortgage no payment is made.
  • FHA Insured Loan is insured and regulated by FHA.
  • Easy Qualifications No credit score or income requirements.
  • Get Cash Get the extra cash you need with a government insured reverse mortgage.

Conventional Home Loan Programs

Take advantage of low rates with a conventional purchase or refinance from LeaderOne Financial.

  • Most Common This is the most utilized mortgage program.
  • Great Rates Conventional loans offer low mortgage rates to save you money.
  • Up to 30 Years 30, 20, 15 and 10 year mortgages available.
  • Fixed & Adjustable Rates Choose between fixed options and adjustable options.

Jumbo Home Loan Programs

A Jumbo Mortgage is designed to allow consumers who are purchasing bigger homes to take advantage of today’s low rates. If you are able to afford a more expensive home but haven’t saved up enough money to bring the loan down to conforming limits, or you’ve found the perfect home but it happens to be in a higher priced neighborhood, this mortgage program is made for you!
  • Understanding Complex Financial Pictures Our highly trained staff understands the complexities of multi-stream incomes and knows how to use your financial picture to your advantage.
  • Eliminates Having to Obtain Multiple Loans Provides the convenience of one loan for the entire loan amount, with a variety of options.
  • Purchasing a High-End Home Jumbo Mortgages range from $453,100 to $3 million.