Loan Products
Home Mortgage Specialists, Inc. offers a wide range of home loan programs through 15+ wholesale lenders — giving you hundreds of options and competitive rates whether you're buying or refinancing.
Purchase Loans
- Conventional Loans — Flexible financing for buyers with good credit; 3–20% down.
- FHA Loans — Low down payment (3.5%) for first-time and repeat buyers.
- VA Loans — No down payment for eligible veterans and active-duty military.
- USDA Loans — Zero down payment for eligible rural/suburban properties.
- Jumbo Loans — Financing above conforming limits for higher-priced homes.
- Doctor Loans — Up to 100% LTV with no mortgage insurance for medical professionals.
Refinance Loans
- Rate & Term Refinance — Lower your rate or shorten your term.
- Cash-Out Refinance — Access home equity for improvements or debt payoff.
- VA IRRRL — Streamlined refinance for veterans with existing VA loans.
Specialty Loans
- HELOC — Flexible home equity line of credit.
- DSCR Loans — Investor loans that qualify on rental income.
- Bank Statement Loans — For self-employed borrowers using bank statements to qualify.
- Bridge Loans — Short-term financing to buy before selling your current home.
Apply now or contact us to discuss which loan is right for you.