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.
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
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.
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.
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.
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.
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.
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.
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.
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.