Informed Mortgage LLC Products
Informed Mortgage LLC offers a variety of government, conventional, and niche loan programs to meet your specific needs.
Access your home's equity to consolidate higher interest debt and improve cashflow, complete home improvements, repairs & renovations or simply establish cash reserves for a rainy day.
Apply NowTemporary Buydowns allow borrowers to reduce their effective monthly payment for a limited period of time through a temporary buydown of the interest rate. This option is ideal for borrowers who may need to replenish savings or spend on home upgrades.
Apply NowRenovation loans including the FHA 203(k), Fannie Mae HomeStyle, Freddie Mac CHOICErenovation and VA Renovation loans all allow you to purchase or refinance a home with a single loan and borrow against the future, after-improved value. Our renovation specialists will make the process easy and ensure a smooth process from start to finish.
Additional Information on Renovation LoansFor creditworthy low-income borrowers, these Fannie Mae and Freddie Mac programs allow for as little as a 3% down payment, reduced mortgage insurance premiums and flexibility on sources for down payments and closing costs.
Apply NowFHA Loans or Government-Insured Federal Housing Administration Loans are oftentimes used for first-time home buyers as well as buyers with low-to-median-income and/or credit challenges who cannot qualify for a conventional loan. FHA borrowers pay an upfront & annual mortgage insurance premium.
Apply NowConventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.
Apply NowThis loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.
Apply NowThe FHA $100 down payment program is available to anyone who wishes to purchase a HUD home as their primary residence and can meet the basic qualifications for an FHA loan. It is essentially a no down payment mortgage program.
Apply NowWith attractive rates and terms, these loans offer a practical path to ownership of Manufactured & Mobile homes without the need for traditional real estate collateral. Whether you're purchasing a new home or refinancing your existing one, our team is here to guide you every step of the way.
Apply NowA Renovation home equity line of credit (HELOC) allows you to fund home improvement projects against the future, after-improved value of the property. A Reno-Fi HELOC does not require a refinance of your first mortgage, offers the convenience of unlimited draws without inspections and more control to enhance and upgrade your living space.
Apply Now50% discount from the list of the home for law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters, and emergency medical technicians.
Apply NowA reverse mortgage allows homeowners 62 or over to borrow against their home’s equity. Unlike a regular mortgage in which the homeowner makes payments to the lender, no payments are required on a reverse mortgage while they live in the home and all proceeds are tax-free.
Additional Information on Reverse MortgagesDown Payment Assistance programs are designed to assist homebuyers in funding a down payment. The down payment assistance is in the form of an immediately forgivable 2% or 3.5% grant, helping borrowers to make their dream of homeownership a reality. *Available in all states except Washington state.
Apply NowLoans over $726,200, which is the 2023 conforming loan limit for a one-unit property, are considered jumbo loans. Beyond the original Jumbo Express loan option, Informed Mortgage LLC is excited to announce we are now offering our Jumbo Express program, which provides quicker funding and fewer conditions. Loan amounts up to $3,000,000.
Apply NowUnlock the value of your home with our Home Equity Line of Credit (HELOC) and Home Equity Loan options. These products offer both variable and fixed rate options to leverage your home's equity and access funds for various needs, from home improvements to debt consolidation.
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