Honest Lending Loan Products

We built a mortgage company that places you and your needs at the center of our service.

Conventional Loans

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government- insured loans including Federal Housing Administration (FHA), U.S. Department of Veteran Affairs and U.S. Department of Agriculture ( USDA). Conventional mortgages.  normally provides more flexibility with fewer restrictions.

FHA Loans

The Federal Housing Administration (FHA) is a government agency that promotes affordable, easy-to-qualify-for home loans. If you’re a first-time homebuyer without a substantial credit history, an FHA loan could be an attractive option. This loan option offers flexible qualification guidelines to help people who may not qualify for a conventional mortgage.

VA Loans

VA loans are home loans with lenient qualifying guidelines and favorable terms for active or retired military service members, veterans, and eligible military spouses. Because VA loans are backed in part by the federal government, lenders and banks are able to offer reduced interest rates. VA loan options are designed for funding loans with out a down payment requirements our qualified service members, distinguished veterans, and their spouses.

Adjustable Rate Mortgage

A loan with an interest rate that changes. There is an initial period where the rate is fixed, after which, the interest rate adjusts according to the market and loan terms.

Streamline Refinance

If you currently have an FHA mortgage, we may be able to help you reduce your interest rate and lower your monthly mortgage payments with an FHA streamline refinance. Plus, a streamline refinance requires limited borrower credit documentation and underwriting for an even easier process.

Interest Rate Reduction Refinance Loan

An interest rate reduction refinance loan (IRRRL) may help lower your interest rate and reduce your monthly payments by refinancing your existing VA loan.  

Jumbo Loan

Exceeds the loan limit set by Freddie Mac and Fannie Mae. A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency. The maximum limit depends on the location of the home and what the conforming loan limit is for that area. Typically, more expensive areas of the country have higher conforming loan limits.

Contact Honest Lending

Have more questions or not sure of which loan is best for you? Contact Honest Lending and take advantage of personalized home loan service from beginning to end. Honest Lending listens to you, and then tailors specific solutions to help achieve your goals. We are experienced and trusted mortgage brokers and loan officers all in one package. This ensures you fast, convenient and transparent service for your first or next home loan.

About Honest Lending

The team at Honest Lending will hold your hand through the entire loan process, answer every question and handle your loan application until final approval.

Our mission is to be the home financing team you trust to serve your family, friends, and community. Honest Lending is purposed to build meaningful relationships with our clients by providing honest detailed information, sound advice on mortgage options, and the latest news in industry trends.

Our unique approach includes listening to our clients’ needs and ideas to anticipate their home financing goals and dreams. From the initial application to the closing, we are committed to providing the best loan options to finance your home.

Ready to get started ?

Talk to an Honest Lending Mortgage Broker today! (248) 561-4331