Loan Programs for Every Situation
Every borrower is different. Whether you are buying your first home, investing in property, or refinancing to a better rate, we will match you with the right loan program for your situation.
Explore Our Loan Programs
Conventional (Fixed Rate)
The most popular loan type for qualified buyers. Predictable payments with a fixed interest rate for the life of the loan.
FHA Home Loan
Government-backed loans with lower down payment requirements and more flexible credit guidelines. Great for first-time buyers.
VA Home Loan
Zero down payment loans for eligible veterans, active-duty service members, and their surviving spouses.
Jumbo Home Loan
Financing for higher-priced properties that exceed conventional conforming loan limits.
First-Time Home Buyer
Special programs and down payment assistance options designed for buyers purchasing their first home in Texas.
Refinance
Lower your rate, shorten your term, or restructure your existing mortgage to better fit your current financial goals.
Cash-Out Refinance
Tap into your home equity to consolidate debt, fund renovations, or cover major expenses with a new mortgage.
VA Loan Refinance
Streamline or cash-out refinance options specifically for veterans and active-duty service members with existing VA loans.
Investment Property
Financing solutions for rental properties, multi-family units, and real estate investment portfolios across Texas.
Seller-Paid Buydown
Negotiate a temporarily lower rate for the first 1-2 years of your mortgage using seller concessions at closing.
Low Down Payment
Purchase options that require as little as 3% down, making homeownership accessible even if you have not saved a large down payment.
Not Sure Which Program Is Right for You?
That is completely normal. Most borrowers are not sure which loan program fits their situation until they talk to someone who can walk them through the options. That is exactly what our Discovery Call is for. In a quick, no-pressure conversation, we will learn about your goals, review your financial picture, and help you narrow down the right path forward.
Find Your Perfect Loan
Ready to explore your options? Let us help you find the loan program that fits your goals, your budget, and your timeline.
NMLS# 2403080 | Ferrando Financial LLC | Equal Housing Opportunity