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    Find the Right Loan for You

    Every homebuyer's situation is unique. We offer a variety of mortgage programs to help you achieve your goals, whether you're buying your first home or refinancing your current one.

    Conventional Loans

    The most common type of mortgage, ideal for borrowers with strong credit and a steady income.

    Down payments as low as 3%
    Competitive interest rates
    No upfront mortgage insurance fee
    Mortgage insurance can be canceled once 20% equity is reached
    Available for primary residences, second homes, and investment properties
    Best For:Borrowers with good to excellent credit (620+) and those looking to buy a second home or investment property.

    FHA Loans

    Government-backed loans designed to help low-to-moderate-income borrowers and first-time homebuyers.

    Down payments as low as 3.5%
    More flexible credit requirements (often down to 580)
    Allows for higher debt-to-income ratios
    Down payment funds can come entirely from a gift
    Competitive interest rates even with lower credit scores
    Best For:First-time homebuyers, borrowers with less-than-perfect credit, or those with limited down payment funds.

    VA Loans

    Exclusive loans for veterans, active-duty service members, and eligible surviving spouses.

    0% down payment required in most cases
    No private mortgage insurance (PMI)
    Competitive interest rates
    Limited closing costs
    More forgiving credit requirements
    Best For:Eligible military personnel, veterans, and their families looking for the most favorable terms available.

    Jumbo Loans

    Financing for properties that exceed the conforming loan limits set by the FHFA.

    Borrow amounts above standard county limits
    Fixed and adjustable-rate options
    Requires higher credit scores (typically 700+)
    Requires larger down payments (often 10-20%)
    Stricter debt-to-income requirements
    Best For:Buyers purchasing luxury homes or properties in highly competitive, expensive real estate markets.

    Refinancing Options

    Replace your current mortgage with a new one to lower your rate, change your term, or access cash.

    Rate-and-term refinancing to lower monthly payments
    Cash-out refinancing to access home equity
    FHA Streamline and VA IRRRL options for faster processing
    Switch from an adjustable-rate to a fixed-rate mortgage
    Consolidate high-interest debt
    Best For:Current homeowners looking to reduce their monthly expenses, tap into their home's value, or pay off their loan faster.

    Not sure which option is best?

    You don't have to figure it out alone. Contact Marcus today for a free consultation to review your specific situation and find the perfect mortgage program.