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Discover the best home financing option for you
We have several loan options for all kinds of home financing scenarios. See if our most popular programs are what you are looking for, or view the rest of our offerings below for additional needs.
Conventional Loan
If the struggle to save for a down payment has stalled your homeownership journey, Movement Mortgage may be able to help with our conventional loan options
Movement Mortgage conventional loans come in a variety of options and with excellent advantages for qualified borrowers. While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types.
Benefits of conventional loans include:
A range of down payment options
Advantages for higher down payments
Option to eliminate mortgage insurance with a 20% down payment
Financing for properties commonly restricted by government loans
Interested in how a conventional loan could help you? Fill out the form below!
For more information about this loan program, please contact your local Loan Officer. Eligibility, programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.
FHA Loans
Federal Housing Administration (FHA) Loan
If you’d love to buy a home but lack credit, a down payment, or are unable to cover closing costs, an FHA loan may be the solution. FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.
Eligibility and benefits include:
Low 3.5% down payment
100% gift funds – the entire 3.5% down payment can be a gift from parents, relatives or an employer
FHA allows sellers to give up to 6% of the home’s purchase price to an FHA buyer to pay for closing costs and pre-paid costs.
Flexible credit qualifying – because it is government-backed, it’s possible to qualify for an FHA loan with a lower credit score than on conventional loan programs
Upfront mortgage insurance may be financed or paid in cash.
May also be an option for borrowers with limited equity looking to refinance
Ability to choose from a fixed-rate or adjustable rate.
Ready to see if you could benefit from a flexible mortgage option? Give me a call today!
For more information about this loan program, please contact your local Loan Officer. Eligibility, programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.
VA Loans
If you’re active duty military, a veteran or an eligible family member of a military veteran, you may qualify for a Veterans Affairs loan, and one of Movement’s biggest perks – waived lender’s fees*. The VA Mortgage is a government-based product offering 100% financing of the reasonable value of the property, with less restrictive qualifying terms than conventional programs*.
VA loan specifications**
(1-4 unit, primary residence only)
30-year Minimum FICO
580-620 minimum FICO
15-year Minimum FICO
640 minimum FICO
Housing grants for service-related disabilities
Those eligible for an adapted housing grant through Veterans Affairs can get help with a service-connected disability purchase, build an adapted home or adapt an existing home to support their disability.
VA Purchase loan benefits
If qualified, 100% financing without requiring mortgage insurance. This could mean hundreds of dollars of savings each year.
No lender fees* when you get a VA loan from Movement Mortgage.
Some states even offer property tax reductions to military borrowers.***
*excludes other VA-permissible itemized charges. VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing.**In addition to the eligibility criteria outlined in the presentation that all eligible Veterans and Reservists must meet all VA income, asset, and property requirements. For loan amounts exceeding $510,400, the amount of the VA entitlement or the entitlement plus the down payment must equal 25% of the property’s reasonable value.***Please consult a tax professional.
VA loans help military families make homeownership a reality. Contact me today to learn more about VA homeownership benefits.
For more information about this loan program, please contact your local Loan Officer. Eligibility, programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.
Jumbo Loans
You’re ready to buy a home but live in one of the nation’s priciest housing markets. Inventory is low. Demand is high. And homes routinely cost more than $1 million.
What can you do when you live in a high-priced area?
Get on the phone and talk to a loan officer about taking on a jumbo mortgage. A type of non-conforming loan, jumbos in most housing markets can buy you a home worth more than $510,400 — the limit for “conforming loans” supported by mortgage giants Fannie Mae and Freddie Mac. Non-conforming loans are any that exceed that funding limit.In some high-priced markets, the minimum financing threshold starts at $765,000.
Movement’s expanded jumbo loan products
Movement Mortgage has investors ready and willing to fund these loans, and a Secondary Market department creating jumbo options for a variety of localities and homebuyer needs.
Let us know how we can help you with your home purchase in a high-priced area.
For more information about this loan program, please contact your local Loan Officer. Eligibility, programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.
Condo Loans
If you’re in the market for a condominium, we have several options for you to consider. Movement Mortgage offers condo loan programs – including Jumbo loans – up to $3 million. Benefit from our comprehensive condo offerings, plus in-house teams dedicated to helping you close on a condo loan.
Thanks to condo financing offered by many of our most popular loan products, condo buyers may be eligible across a range of financial standings, locations, down payments and special qualifying factors.
What is considered a condo?
A condo is defined as a unit in a condominium project. Each unit owner has title to their individual unit, an individual interest in the project’s common areas and in some cases the exclusive use of certain limited common area. In addition to meeting the requirements of each type of loan, the condo must meet specific requirements such as real estate specifications, HOA conditions and development and ownership rules.
Affordable condo financing at Movement Mortgage is included in these programs:
Fannie Mae & Freddie Mac Conventional
VA for eligible military
FHA Government.
USDA rural home loan program
Want to see how Movement can help you buy your own condo? Fill out the form below to get more information!
New Construction
For those looking for a new construction home where you pick the model from a builder, this is the loan for you.
Not every mortgage lender understands the building community or what it takes to get buyers of a new construction home approved and closed without a lot of hassle. At Movement, we’ve worked hard to make our new construction loan process seamless for everyone involved.
Who can benefit?
Homebuyers ready to select a new construction model home from a development
Real estate agents who need a lender that knows what they’re doing
Builders and site agents who need a new construction home purchase closed on time
New Construction loans we offer*:
Conventional Purchase
Federal Housing Administration (FHA)
Fannie Mae Home
Ready Mortgage
Freddie Mac Home Possible Advantage
Jumbo loansVA loans
Condo loans
*Manufactured houses are not eligible for new construction at this point
Even better?
Not many lenders offer extended rate-lock programs, but we do. We can offer rate locks lasting up to 360 days. If it’s going to take some time to get your new construction home ready, we’re here for you.
Ready to see how we can help you get into the new home of your dreams? Fill out the form below!
For more information about this loan program, please contact your local Loan Officer. Eligibility, programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval.