The market and purchasing power can change daily, even more than once a day!
Unlock Your Path to Homeownership — There’s a Loan Program Tailored Just for You!
Whether you're working with excellent credit or navigating a few bumps along the way, the right financing solution is within reach. As a former mortgage broker, I stay ahead of the curve on today’s most competitive lending programs, including options that many buyers don’t even know exist.
From first-time homebuyers to seasoned investors, I can connect you with trusted lenders offering flexible, strategic financing for both residential and commercial properties. Let’s match your goals with the right program and get you one step closer to owning the home or investment you’ve been dreaming about.
Most Common Home Loan Programs (2025)
- Conventional Loans Standard fixed or adjustable-rate mortgages with competitive terms. Typically require higher credit scores and down payments but offer flexibility and broad eligibility.
- FHA Loans Backed by the Federal Housing Administration. Designed for buyers with lower credit scores or limited savings. Down payments can be as low as 3.5%.
- VA Loans Exclusive to eligible veterans, active-duty service members, and certain military spouses. No down payment required, with favorable terms and no private mortgage insurance.
- USDA Loans Targeted for rural and suburban buyers. Offers 0% down financing for qualifying properties and income levels.
- Jumbo Loans For high-value properties that exceed conforming loan limits. Requires strong credit and financial documentation.
- First-Time Buyer Programs Includes grants, down payment assistance, and reduced PMI options. Often paired with education requirements or income limits.
- Adjustable-Rate Mortgages (ARMs) Start with lower initial rates that adjust over time. Useful for short-term ownership or strategic refinancing.
- Interest-Only Loans Allow buyers to pay only interest for a set period. Can be useful for cash flow management, though long-term costs may be higher.
- Construction Loans Tailored for building new homes or modular properties. Often convert to permanent mortgages after completion.
- Bank Statement & Non-QM Loans Designed for self-employed buyers or those with non-traditional income. Uses alternative documentation to qualify.
Call Scott to reference a lender best suited for your purchase or refinance.
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Scott McSorley 908-670-3574
Buying / Selling / Investing
www.Scott-McSorley.Weichert.com
