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Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!
Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.
Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.
Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.
Take advantage Of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.
We combine competitive rates, groundbreaking tools and technology, and a fast, easy process to help you deliver a worry-free mortgage experience.
This cash-out refinance option allows homeowners to access up to 89.99% LTV—without the burden of mortgage insurance. With simplified guidelines and competitive rates, it’s a smart solution for tapping into home equity.
This low-down-payment option is perfect for qualifying borrowers who meet income limits and want to keep more money in their pockets at closing. We contribute toward the down payment making homeownership more accessible than ever.
Home Possible® is a flexible alternative to FHA financing, ideal for first-time buyers, retirees, and low-to-moderate income borrowers. It offers low down payment options with broad property eligibility.
Designed for low-to-moderate income borrowers, HomeReady® offers affordable financing with flexible terms and reduced mortgage insurance. Ideal for first-time homebuyers or those refinancing with limited equity.
Help more borrowers who may not qualify for conventional financing achieve the dream of homeownership.
Unlock homeownership with flexible credit requirements and down payment options as low as 3.5%. Ideal for first-time buyers or those with past credit challenges—available on single- and multi-wide manufactured homes.
Perfect for well-qualified borrowers, FHA Elite offers some of the best government rates and pricing in the industry. A smart option for buyers with higher credit scores who want low monthly payments and competitive terms.
Buy and renovate your dream home with one simple loan. FHA 203(k) allows you to finance both the purchase and cost of repairs or improvements—ideal for fixer-uppers or properties in need of upgrades, with flexible credit requirements and low down payment options.
Our FHA Streamline program allows you to refinance your FHA borrower with no appraisal or AVM.
A VA loan isn’t just a benefit — it’s a strategic advantage. At Lending Heights Mortgage, we offer an entire suite of VA programs designed to meet the unique needs of those who have served in the Armed Forces. Whether it’s 100% financing, refinancing, or flexible ARM options, our VA loan lineup delivers the competitive edge and simplicity your military clients deserve.
Veterans can build with confidence using 100% financing and zero monthly payments during construction. One approval, one closing, and no surprises—just a simple path to your brand-new home.
For qualified veterans with strong credit, VA Elite offers low rates, 0% down up to county limits, and Jumbo options up to $4M. Enjoy fast approvals, escrow waivers, and flexible property types—including condos and manufactured homes.
Lower your rate and payment with no appraisal, income docs, or hassle. VA IRRRL is the easy way to refinance your current VA loan—up to $4M—on primary, second homes, or investment properties.
Start with a lower rate and 100% financing. Our VA ARMs (3/1 or 5/1) are perfect for borrowers planning to move or refinance within a few years. Primary residences only.
Lending Heights USDA loans are a great option for borrowers seeking 100% financing in eligible rural areas. Recognized as a top-tier USDA lender, Lending Heights offers a smooth, efficient process to help you close on time — with direct access to underwriting and rapid turn times.
Lending Heights USDA loans are a great option for borrowers seeking 100% financing in eligible rural areas. Recognized as a top-tier USDA lender, Lending Heights offers a smooth, efficient process to help you close on time — with direct access to underwriting and rapid turn times.
Help rural homebuyers purchase and renovate with one convenient loan. This USDA-backed program finances both the home and eligible improvements under a single mortgage.
A jumbo loan is a mortgage designed for high-value homes that exceed conventional loan limits, offering flexible terms and competitive rates for qualified borrowers.
Our jumbo 30-year fixed loan offers competitive rates, flexible down payment options as low as 10%, and loan amounts up to $5 million.
Finance up to $3M with fixed-rate stability for 7 or 10 years before adjusting. Great for high-credit borrowers (700+ FICO) seeking flexibility on primary or second homes with up to 80% LTV.
Enjoy interest-only payments for the first 10 years on loans up to $5M. Ideal for high-credit borrowers financing primary or second homes who want to maximize monthly cash flow upfront.
Pay off your home faster with this 15-year fixed jumbo loan. Available up to $3M and 80% LTV, it’s perfect for well-qualified buyers looking to save on interest and build equity quickly.
Designed for self-employed borrowers who prefer flexibility over traditional income documentation, our Bank Statement Fixed loan lets you qualify using 12 months of consecutive business or personal bank statements.
A smart option for self-employed borrowers seeking flexible mortgage financing without traditional income documentation. With up to 90% LTV and loan amounts up to $3M, this program is ideal for primary, second, or investment home purchases and refinances—using 12 months of bank statements to qualify.
For high-income self-employed borrowers needing maximum flexibility, this program offers up to 90% LTV, $3.5M loan limits, and up to 55% DTI. With reserve requirements based on loan size and property count, it’s a top-tier solution for growing property portfolios.
Tailored for self-employed or dual-income borrowers with strong credit, this flexible option allows up to 85% LTV and $3M in loan amount. No tradeline minimums and broad property eligibility make it a great fit for high-credit buyers using bank statements to qualify.
Perfect for entrepreneurs with multiple properties, this program offers up to 90% LTV and loans up to $3M. Reserve requirements vary by property type and loan size, and qualification is based on 12 months of consecutive bank statements.
A Non-QM (Non-Qualified Mortgage) loan is a mortgage product that does not strictly conform to traditional lending guidelines, offering more flexible underwriting standards for borrowers with unique income situations or credit profiles, such as Jumbo, Bank Statement, and Investor Flex DSCR loans.
Our six fixed-rate jumbo products provide competitive pricing and unique options unavailable at most big banks. Designed for borrowers who need financing above conventional loan limits. These loans are ideal for high-value property purchases and offer competitive terms with flexible qualification options.
Our Bank Statement Loan programs simplify qualification for self-employed individuals by using bank statements instead of traditional income documents, ensuring clear investor guidelines and borrower qualifications.
Debt Service Coverage Ratio or DSCR loans are for borrowers to qualify for loans on the market rent of their investment property, rather than their personal income.
This flexible lending solution is designed for self-employed borrowers and non-U.S. citizens. Whether you're an independent contractor using 1099 income or an ITIN holder without a Social Security number, this program offers simplified documentation and inclusive access to home financing—no tax returns or W-2s required.
Add a second mortgage without refinancing your first. Our Piggyback HELOC gives you up to $500K with flexible draw options—perfect for covering down payments or large expenses. For qualified borrowers with 680+ FICO and up to 85% CLTV.
Access cash with a flexible line of credit up to $500K—no first mortgage required. Great for upgrades, consolidating debt, or big purchases. Available on primary, second, and investment properties with 680+ FICO.
Lower FICO? No problem. Our Yellow HELOC lets you tap into your home equity with as little as 640 FICO, up to 85% CLTV, and up to $350K in funds. Ideal for homeowners seeking flexible access to cash.
Debt Service Coverage Ratio or DSCR loans are for borrowers to qualify for loans on the market rent of their investment property, rather than their personal income.
Built for experienced real estate investors, the Investor Flex Fixed loan offers a powerful, flexible financing solution for scaling rental portfolios. With loan amounts up to $3 million, DSCR requirements as low as 0.00, and the ability to close in an LLC, this program supports both growing and seasoned investors—whether financing one property or twenty.
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Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here!
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