Loan Programs

Finding a home loan that works best for your budget can be overwhelming. The good news? We’re here to help. With an extensive lending portfolio, Motto Mortgage Advantage Plus works hand-in-hand with your real estate agent from the very beginning, giving you more options for smarter decision-making.

With more loan options to choose from and service you can trust, the choice is easy.

Give us a call today.

Conventional Fixed

USDA- Manufactured homes pilot program 2006 or newer

Streamline, rate and term and cash out refinances

Home Ready, Home Possible, Homestyle renovation, Home path and Home path renovation

Manufactured Housing- Double wide on permanent foundation 1976 or newer. 640 min credit score.

Commercial Loans

Non-warrantable condos

Bank Statement Loans

Fix and Flip

1-Time Close Construction Loans

Jumbo Loans

Up to 10 Investment Properties

ITIN Borrowers

DSCR (Debt Service Coverage Ratio) Loan

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

FHA Loans, FHA Condo Spot approvals
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.