Our Loan Products
Flexible Loans to Fit Your Needs and Goals
Discover a wide range of home loan options at Mortgage Up, tailored to meet your unique needs. From FHA and VA loans to Jumbo and Bank Statement programs, we offer flexible solutions to achieve your homeownership dreams. Speak with our expert brokers today to find the ideal home loan options for you.
CONVENTIONAL
Looking for a reliable, long-term mortgage? Conventional loans offer fixed-rate options with flexible terms, making them ideal for homebuyers seeking stability. Our experienced mortgage brokers will help you navigate the process, ensuring you secure the best rates and terms tailored to your financial goals. Perfect for those with strong credit and a solid down payment.
FHA
First-time buyers, here’s your chance! FHA mortgages make owning a home easier with low down payments, relaxed credit rules, and affordable rates. Plus, closing costs won’t weigh you down. Our team will help you every step of the way to secure a loan that works for you. Get started now with FHA!
VA
Veterans and service members, you deserve this perk. VA mortgage loans come with 0% down, competitive rates, and low closing costs. We specialize in VA loans, ensuring you get the most out of your benefits and settle into a home you love.
USDA
Want a home in the countryside? USDA (Rural Development) loans offer zero down and reasonable rates, making rural living affordable. Our brokers will guide you through the process to find a loan that suits your rural home goals.
DOWN PAYMENT ASSISTANCE
Tight on cash for a down payment? We’ve got you covered with down payment assistance programs offering multiple grant options to fit your needs—all designed to help you step into homeownership. Choose from fully forgivable grants, grants amortized over 5-10 years, or non-interest-accruing grants that won’t pile on extra costs. Our variety of solutions ensures you’ll find the perfect boost, no matter your budget.
HOMEREADY®/HOME POSSIBLE®
Want a conventional loan with a twist? HomeReady® and Home Possible® loans cut mortgage insurance costs and lower rates for buyers earning up to 80% of the area median income. They’re a practical choice for affordable homeownership without the FHA route.
JUMBO LOANS
Buying something big? Jumbo loans cover large purchases or refinances with competitive rates and custom terms. Our brokers will find the right fit for your luxury home or investment, keeping it simple and cost-effective. Reach out now for jumbo financing!
FIX AND FLIP
Investors, this is for you! Fix and Flip loans fund up to 80% of the purchase and 100% of renovation costs for multi-family, 5+ unit, or mixed-use properties. Add our Fix & Hold option to renovate and rent out later. We’re here to support your investment success. Get started now on your project!
FHA 203(k)
Love a home with potential but not its current shape? An FHA 203(k) loan lets you buy or refinance a fixer-upper and roll renovation costs into one easy mortgage. Whether it’s a kitchen overhaul or a full structural redo, our team will help you finance the upgrades with FHA’s low down payments and flexible credit terms. Turn that diamond in the rough into your dream home—without the stress of juggling multiple loans.
RENTAL PROPERTY (DSCR)
Grow your wealth with rental property loans. These DSCR loans qualify based on property cash flow, not your income, helping you build equity and a strong portfolio. We’ll assist you in making real estate work for you.
BANK STATEMENT LOANS
Self-employed or got income that doesn’t fit the usual mold? Bank Statement Loans let you qualify using your bank statements instead of tax returns—perfect for showing off your cash flow. Whether it’s for your main home, a second place, or a rental, our brokers will shape a loan that matches your unique financial story, with terms that keep things simple and affordable.
ONE-TIME CLOSE NEW CONTRUCTION
Building a home? Our one-time close new construction loans (conventional or VA) combine construction and permanent financing in one step. Funds release as you build, making your new home process smooth and efficient.
NO CREDIT SCORE
No credit history? No worries! Our No Credit Score loan programs use alternative methods to qualify you for a mortgage. Homeownership is still within reach, and we’ll show you how.
NON-US CITIZEN
Our mortgage loans for non-US citizens open doors for international buyers, for non permanent and permanent residents. Enjoy flexible options and fair rates designed just for you. Contact us now to begin your journey!
BORROW-SMART
Qualified borrowers with an income less than or equal to 50-80% of the Area Median Income (AMI) can receive a credit towards cash to close and incentivized rates. This service is a great way to help those in need of a mortgage get the assistance they need. Borrower Smart requires at least one qualifying borrower to complete a homebuyer counseling session through Homeownership Preservation Foundation (HPF) for a fee of $99.
ARMS
5, 7 AND 10 YEAR: Adjustable rate mortgages (ARMs) provide borrowers with the potential to save money on their monthly payments. They allow for an initial interest rate that is fixed for a set period of time, after which the rate may adjust up or down. With an ARM, borrowers can benefit from lower interest rates and more flexible repayment terms.