Home/Loan Programs

Whatever your situation, there's a program for it.

I

Buy a Home

First-Time Homebuyer Programs Minimal down payment, credit as low as 580+.

VA Loans for Veterans No down payment, no mortgage insurance.

2-1 Buydown Program 2% lower rate year one, 1% lower year two.

Renovation Loans Purchase + renovation in one loan.

II

Refinance

Rate-and-Term Refinance Lower your rate, adjust your terms, save.

Cash-Out Refinance Access equity, consolidate debt, fund goals.

Second Mortgage Up to $500,000 behind your current rate.

Reverse Mortgage For homeowners 62+, monthly payments optional.

III

Specialty & Non-QM

DSCR Investor Loans Qualify on the property's rent, not your income.

ITIN Loans Qualify with a Tax ID Number instead.

Bank Statement, P&L & VOE Loans Qualify with bank statements or a P&L.

IV

Down Payment Assistance

New York: SONYMA DPAL Forgivable NY down payment assistance loan.

New Jersey: NJHMFA DPA Forgivable after 5 years, no interest, no payments.

Pennsylvania: K-FIT 5% assistance, forgiven over 10 years.

FHA DPA (48 States) 600+ credit, no income limits, 48 states.

The Checkup

Which program fits you?

Answer two or three questions. Get programs matched to you.

Start the checkup Or just call Doc

People Over Profit.

You can buy a home. We can help.

Doc values people over profit, even though the best things in life come with a fair price. Call to learn more about how these loan programs can help you qualify.

Call (917) 417-5189 Prefer email? kdocteur@unitedmortgage.com