Loan Options
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
Mortgage Rate Options
Fixed Rate
Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.
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Adjustable ARM
The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.
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Interest Only
An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.
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Graduated Payment
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time
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Loan Program Options
FHA Home Loan
An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
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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 ...
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USDA Loans
A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.
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Jumbo Loans
A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
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FIRST-TIME HOME BUYERS
To start, we offer a free pre-qualification service before you begin searching for your new home. Additionally, through our partner networks, we can connect you with a reliable real estate agent.
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REHAB LOAN
Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!
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LOW DOWN
PAYMENT
Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.
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INVESTMENT PROPERTY LOANS
Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
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REFINANCE
When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.
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REVERSE MORTGAGE
A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.
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NON-QM Loans
1099
Mortgage
On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.
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Bank Statement
Loans
A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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Debt Service Coverage
Loan
As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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ITIN Mortgage
Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
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Asset Utilization
Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.
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30-YEAR FIXED RATE
Regarding the American dream of homeownership, a 30-year fixed-rate mortgage often plays a central role.
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15-YEAR FIXED RATE MORTGAGE
A 15-year fixed-rate mortgage is a home loan that provides you with the security of a fixed interest rate over a 15-year term.
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203K LOANS ON THE CHEAP
203K Loans are a unique financing option backed by the Federal Housing Administration (FHA) that enables homebuyers and homeowners to roll renovation costs into their mortgages.
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Mortgage Unity LLC
We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.
PHONE
(978) 590-8200
ADDRESS
67 Forest St. Suite 272
Marlborough, MA 01752
Mortgage Unity LLC supports Equal Housing Opportunity. Company NMLS ID# 1843595 (www.nmlsconsumeraccess.org)| 508-974-8186. Mortgage Unity LLC is licensed by MA, NH, ME Broker License # MB1843595, Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Mortgage Unity LLC is a Massachusetts limited liability company. 67 Forest St #272, Marlborough MA 01752.
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