Mortgage Finance Options

We offer a range of mortgage financing options designed to meet the specific needs of homebuyers, real estate investors, and realtor partners. Our goal is to provide flexible and personalized loan solutions that help you achieve your real estate goals.

Explore our finance options below to find the perfect mortgage solution for you.

Traditional Mortgage Financing

Traditional mortgage options are ideal for borrowers who meet standard lending guidelines and are looking for competitive interest rates. These options include Conventional loans, FHA loans, VA loans, and USDA loans.

Conventional Loans

A popular choice for homebuyers who have strong credit, stable income, and can afford a down payment. Conventional loans often offer competitive interest rates and flexible terms.

FHA Loans

Ideal for first-time homebuyers or those with lower credit scores, FHA loans offer lower down payment requirements and easier qualification criteria.

VA Loans

For veterans and active-duty military members, VA loans offer zero down payment and low interest rates with no private mortgage insurance (PMI).

USDA Loans

Designed for rural property buyers, USDA loans offer zero down payment and low rates for eligible borrowers in USDA-approved areas.

Non-QM Mortgage Financing

Non-Qualified Mortgages (Non-QM loans) are an excellent option for borrowers who may not meet the strict qualifications of traditional loans.

What is a Non-QM Loan?

Non-QM loans are designed for borrowers who do not meet the standard criteria required for conventional loans. These loans often offer more flexible requirements in terms of income, employment status, and credit score.

Self-Employed Borrowers

Non-QM loans are ideal for self-employed individuals or entrepreneurs who may have fluctuating income but need financing for a home or investment property.

Real Estate Investors

Whether you’re buying single-family rentals, duplexes, or small multi-unit properties, Non-QM loans offer flexible terms and underwriting that allow you to grow your portfolio without the strict guidelines of traditional loans.

Refinancing Options

Refinancing your mortgage can provide an opportunity to lower your interest rates, adjust your loan term, or even tap into home equity for major projects. Whether you’re looking to reduce your monthly payments or take advantage of lower rates, refinancing can give you more control over your financial future.

Lower Your Rate

Refinancing can help you secure a lower interest rate, saving you money over the life of the loan.

Shorten Your Loan Term

If you’re financially stable and looking to pay off your mortgage faster, refinancing to a shorter loan term can help you save on interest costs.

Cash-Out Refinancing

Tap into your home equity to finance major expenses like home renovations or consolidate debt.

Join The Poly Loan Guy Family

At The Poly Loan Guy, we don’t just offer mortgage solutions — we build relationships. We’re here to guide you through every stage of your homeownership journey, ensuring that you receive the personalized attention you deserve. Whether you’re buying your first home, refinancing, or looking for investment opportunities, we’re with you every step of the way.