Low Rates + Best Service, That's a Mark Loan

Becoming a homeowner is an exciting milestone, and first-time homebuyer programs make it more attainable than ever. Down payment assistance (DPA) loans are designed to reduce the financial barrier of upfront costs, offering grants or forgivable loans to qualified buyers. Mark Howard helps you explore various DPA options and first-time buyer programs, tailoring solutions to your unique situation. With personalized guidance, you’ll navigate the complexities of home loans confidently, securing the support you need to make your dream of homeownership a reality.

Conventional home loans are ideal for borrowers with stable income and good credit. These loans offer competitive interest rates and flexible terms, making them a versatile option for buying or refinancing a home. Unlike government-backed loans, conventional mortgages often feature fewer restrictions and are available for primary residences, second homes, and investment properties. Mark Howard works closely with you to customize a loan that aligns with your financial goals. Whether you prefer a fixed-rate or adjustable-rate mortgage, conventional loans provide a straightforward path to homeownership.

FHA home loans are an excellent choice for first-time buyers or those with limited credit histories. Backed by the Federal Housing Administration, these loans offer lower down payment requirements and more lenient credit criteria, making homeownership more accessible. With just 3.5% down and competitive rates, FHA loans open doors for many buyers. Mark Howard helps you navigate the application process, ensuring you meet all requirements and understand your options. Whether you're buying your first home or refinancing, an FHA loan provides a reliable pathway to homeownership.

VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the Department of Veterans Affairs, these loans offer zero down payment, competitive rates, and no private mortgage insurance, making homeownership more affordable. Mark Howard simplifies the process, guiding you through eligibility requirements and available options. Whether you’re buying a home, upgrading, or refinancing, VA loans provide a flexible and affordable solution tailored to those who have served. Experience the benefits you’ve earned with expert support every step of the way.

Non-QM loans provide flexible options for borrowers who don’t fit traditional lending criteria. These mortgages are ideal for self-employed individuals, those with unique income streams, or credit challenges. With features like alternative income verification methods and no need for perfect credit, Non-QM loans open doors for a wider range of buyers. Mark Howard specializes in matching clients with these customized solutions, offering personalized support throughout the process. Whether you’re purchasing a new home or refinancing, Non-QM loans provide an excellent pathway to homeownership.

Jumbo loans provide financing for high-value properties that exceed conventional loan limits. These loans are perfect for purchasing luxury homes or properties in high-cost areas. Although they require stricter qualification criteria, such as a higher credit score and larger down payment, jumbo loans offer competitive rates and tailored terms. Mark Howard specializes in helping clients secure jumbo financing that meets their unique needs. Whether you’re purchasing a dream home or refinancing an existing loan, Mark ensures a seamless process with expert guidance every step of the way.

Adjustable-rate mortgages (ARMs) offer initial lower interest rates that adjust periodically based on market conditions. These loans are ideal for buyers planning to move or refinance within a few years, offering significant savings in the short term. Mark Howard guides you through the complexities of ARMs, helping you weigh the benefits and risks to determine if this mortgage fits your financial goals.

Bank statement loans cater to self-employed borrowers who may not have traditional income documentation. These flexible mortgages use your bank statements to verify income, offering a practical solution for entrepreneurs and business owners. Mark Howard simplifies the process, helping you secure a loan tailored to your financial profile. With competitive rates and a streamlined application, bank statement loans make homeownership accessible for non-traditional earners.

ITIN loans provide home financing opportunities for individuals without Social Security numbers but who have an Individual Taxpayer Identification Number. These specialized mortgages offer flexible qualification criteria and are an excellent option for immigrants or non-resident buyers. Mark Howard ensures you navigate the ITIN loan process smoothly, offering personalized support and competitive loan terms to help you achieve your dream of homeownership.

Refinancing can help you save money or achieve financial goals by replacing your current mortgage with a new one. Whether you’re looking to lower your interest rate, reduce monthly payments, or access your home’s equity, refinancing offers flexible solutions to fit your needs. It’s also a great way to consolidate debt or fund significant expenses like home improvements. Mark Howard provides personalized guidance to help you navigate the refinancing process, ensuring you choose the best option for your situation. Discover how refinancing can create new opportunities and simplify your financial future.

Investor loans are tailored for those looking to purchase rental properties or grow their real estate portfolio. These mortgages feature flexible terms and competitive rates, helping you maximize returns on your investments. Mark Howard partners with you to identify the right loan products, whether you're a seasoned investor or a first-time buyer exploring real estate opportunities. From multi-family units to single-family rentals, investor loans provide the foundation for building wealth through real estate.

Building or remodeling a home requires specialized financing, and construction and renovation loans are designed to meet these unique needs. These flexible loan options provide funds for construction projects, from ground-up builds to extensive renovations. Mark Howard works with you to streamline the process, ensuring timely disbursements and expert advice at every step. With construction loans, you can bring your vision to life without financial strain.