Gem Home Loans offers many types of mortgages and one will work for you. Which one is right for you is determined by your goals, needs and specific scenario along with consultation from our team. Nearly all of the programs below can be used for refinance or home purchase. Don’t see a program below, do not assume we do not have it as we work as mortgage brokers and are partnered with dozens of investors to find you the best rate, costs, and programs.
A loan used for purchasing or refinancing a home with an interest rate that never changes and a repayment term of thirty years.
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A shorter loan used for purchasing or refinancing a home with an interest rate that never changes and a repayment term of fifteen years.
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An adjustable-rate mortgage is a home loan with an interest rate that can change periodically during life of the loan.
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A conforming loan meets specific guidelines set by two government-sponsored institutions, Fannie Mae and Freddie Mac.
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FHA loans are great for first-time home buyers, especially those without the funds for a large down payment on a house.
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VA mortgage loan is insured by the Veterans Administration, only available to Veterans or eligible dependents of Veterans.
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A USDA or Rural Development home loan is a zero down payment mortgage for eligible rural and suburban homebuyers.
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Looking to renovate your current home or build a new dream home from scratch? This is the loan program for you.
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There are dozens of types of Non-QM loans and in general they are used to fill in qualifying gaps that are left in traditional lending programs.
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