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Loan
Programs
Loan Programs
Explore a wide range of loan programs designed to fit your unique goals and financial situation. Whether you're a first-time homebuyer, looking to take advantage of low down payment options, or exploring opportunities like multi-unit properties or investment strategies, we’ll help you find the right solution. From conventional and FHA loans to down payment assistance programs, we break down each option so you understand the benefits, requirements, and next steps—giving you the clarity and confidence to choose what works best for you.
Conventional Fixed Rate Mortgages
Conventional loans are a popular choice for homebuyers because they offer flexibility, competitive interest rates, and options for low down payments. These programs are not insured by the government, which means they often require a strong credit profile and stable income, but they also allow for higher loan limits and fewer restrictions than government-backed loans. Whether you’re a first-time buyer or looking to move into your next home, conventional programs can provide a reliable path to homeownership with clear terms and predictable payments.
FHA/VA/USDA Mortgage Loans
Government-backed mortgage programs make homeownership more accessible by offering lower down payments, flexible credit requirements, and competitive interest rates. Whether you’re a first-time buyer or looking to refinance, programs like FHA, VA, and USDA loans provide options that can fit your unique financial situation. These programs are designed to help more people achieve the dream of owning a home, and with the right guidance, you can take full advantage of the benefits they offer.
Down Payment Assistance Loans
Buying a home doesn’t have to mean a huge upfront payment. Down Payment Assistance (DPA) programs are designed to help qualified buyers cover part—or even all—of their down payment and closing costs, making homeownership more accessible. These programs often come in the form of grants, low-interest loans, or forgivable loans, and can be combined with conventional, FHA, or other mortgage options. Whether you’re a first-time buyer or looking to move into a new home, understanding and leveraging DPA programs can give you a powerful advantage and make the dream of owning a home more attainable.
Jumbo Loans
Jumbo loans are designed for homebuyers looking to finance higher-priced properties that exceed conventional loan limits. These programs offer flexible options and competitive rates for borrowers with strong credit profiles, allowing you to purchase luxury homes, multi-unit properties, or high-value real estate with confidence. With a jumbo loan, you can access larger financing without sacrificing personalized guidance—ensuring the process is smooth, transparent, and tailored to your unique goals
Construction Loans
Build your vision from the ground up with flexible construction loan programs designed to fit your goals. Whether you're planning a custom home or a multi-unit investment property, we help you navigate everything from budgeting and timelines to financing and final conversion into a permanent loan. With options like construction-to-permanent financing, low down payment programs, and the ability to use projected rental income in some cases, we make it easier to turn your plans into reality—while keeping the process clear, strategic, and fully aligned with your long-term financial goals.
Home Equity Loans
Unlock the value in your home with a home equity loan designed to work for you. Whether you’re looking to consolidate debt, fund home improvements, or create financial flexibility, our home equity loan programs offer competitive options tailored to your goals. We’ll walk you through how to access your equity, understand your borrowing power, and choose the right solution—so you can make confident decisions and put your home’s value to work.
Commercial Loans
Build your vision from the ground up with flexible construction loan programs designed to fit your goals. Whether you're planning a custom home or a multi-unit investment property, we help you navigate everything from budgeting and timelines to financing and final conversion into a permanent loan. With options like construction-to-permanent financing, low down payment programs, and the ability to use projected rental income in some cases, we make it easier to turn your plans into reality—while keeping the process clear, strategic, and fully aligned with your long-term financial goals.
Hard Money Loans
Unlock the value in your home with a home equity loan designed to work for you. Whether you’re looking to consolidate debt, fund home improvements, or create financial flexibility, our home equity loan programs offer competitive options tailored to your goals. We’ll walk you through how to access your equity, understand your borrowing power, and choose the right solution—so you can make confident decisions and put your home’s value to work.
Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgage (ARM) programs offer flexibility and potential savings for homebuyers who want a lower initial interest rate. With an ARM, your rate is fixed for an introductory period—typically 3, 5, 7, or 10 years—before adjusting periodically based on market indexes. This structure can help you qualify for a larger loan or reduce your early monthly payments, giving you room to invest, save, or plan for future changes. We guide you through how ARMs work, explain adjustment caps and margins, and help you determine if an adjustable-rate program aligns with your financial goals.
Refinance Mortgage Loans
Refinancing your home can be a powerful way to save money, reduce your monthly payments, or tap into your home’s equity for important goals. Our refinance programs are designed to fit your unique needs, whether you’re looking to lower your interest rate, shorten your loan term, or access cash for renovations, debt consolidation, or investments. With personalized guidance every step of the way, we make the process simple, transparent, and stress-free—so you can take advantage of today’s rates and improve your financial flexibility.
Reverse Mortgage Loans
A reverse mortgage can be a powerful financial tool for homeowners aged 62 and older, allowing you to access the equity in your home without monthly mortgage payments. These programs are designed to help you supplement retirement income, cover healthcare costs, or make home improvements while staying in the home you love. At HomeLoans With Duane, we guide you through the process, explain the options available, and ensure you understand the benefits and responsibilities—so you can make confident decisions that fit your long-term financial goals.
Self-Employed Borrowers
Not all homebuyers fit the traditional paycheck mold, and that’s where we step in. We specialize in helping self-employed borrowers, freelancers, and business owners secure financing using 1099 income, bank statements, or profit and loss (P&L) statements. Our goal is to simplify the process, explain what lenders need, and help you qualify for a loan that matches your unique financial situation—so you can achieve homeownership without unnecessary stress or roadblocks.
Borrowers With Considerable Assets
Asset-based programs give homebuyers the flexibility to qualify for a mortgage using the assets they already have, rather than relying solely on income or employment history. This approach allows you to leverage savings, investments, retirement accounts, or other financial resources to demonstrate your ability to repay a loan. Whether you’re self-employed, have variable income, or are looking for alternative ways to secure financing, asset-based programs can open doors to homeownership and provide more options for structuring your mortgage to fit your unique financial situation.
Real Estate Investors
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to purchase or refinance income-producing properties without relying on personal income or tax returns. Instead, these loans focus on the property’s ability to generate cash flow, making it easier for investors to qualify and scale their portfolios. Whether you’re acquiring your first rental property or expanding a growing portfolio, DSCR loans provide a streamlined, flexible financing option that lets your investments work for you.
Foreign Buyers
Don’t let past credit challenges hold you back from homeownership. We specialize in helping clients with less-than-perfect credit find loan options that fit their unique situation. From understanding credit requirements to exploring alternative financing programs, we guide you every step of the way—making it possible to secure a home loan and start building your future, no matter your credit history.
Buyers With Blemished Credit Histories
Don’t let past credit challenges hold you back from homeownership. We specialize in helping clients with less-than-perfect credit find loan options that fit their unique situation. From understanding credit requirements to exploring alternative financing programs, we guide you every step of the way—making it possible to secure a home loan and start building your future, no matter your credit history.
Duane Vizinau
NMLS#1145158
925-765-9820
dvizinau@homeloanswithduane.com
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