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Explore Our Diverse Loan Options

Tailored Loan Solutions for Every Need

Discover the perfect loan program to fit your unique financial situation with ML Mortgage. Our wide range of options ensures that you find the best fit for your home financing needs.

Our Loan Programs

Conventional

Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.

  • Fixed Rate

  • 10, 15, 20 and 30 year terms

  • Available for Purchase and Refinance Transactions

  • Low Down Payment Options Available for Qualified Borrowers

  • Can Finance Primary, Second Homes, and Investment Properties

FHA

FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer – anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.

  • For Primary Residence or Second Home

  • A minimum of 3.5% down payment required – May be a gift!

  • Seller can contribute up to 6% of borrower’s closing costs

  • Flexible Mortgage Guidelines

  • Available for Purchase and Refinance Transactions

VA

The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

  • Must be a Veteran, Active Duty Military, or member of the Reserves.

  • Up to 100% Financing – No Down Payment

  • Closing Costs May Be a Gift

  • Available for Purchase and Refinance Transactions

  • No Monthly Mortgage Insurance

USDA Loans

The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.

  • 100% Financing Available

  • 10, 15, 20 and 30 year terms

  • House must be in a Rural Development-eligible area.

Jumbo

Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $510,400. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.

  • Convenience of One Loan versus having Multiple Mortgages

  • Fixed and Adjustable Rate Mortgage Options

Reverse

A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments.

  • Primary Home

  • No Monthly Mortgage Payments

  • For borrowers 62 years & older

  • Flexible Mortgage Guidelines

  • Receive Money Monthly

Non-QM

Non-QM loan programs offer flexible financing solutions for borrowers who don’t meet traditional mortgage guidelines. Perfect for self-employed individuals, real estate investors, and those with unique income documentation, these programs make homeownership and investment more accessible.

  • Bank Statement Qualification Use 12–24 months of personal or business bank statements—no tax returns needed.

  • Self-Employed Friendly Designed for business owners, freelancers, and independent contractors.

  • High Loan Amounts Borrow up to $3.5 million with competitive rates and flexible terms.

  • DSCR Loans for Investors No income or employment required—qualify using rental income only.

  • Interest-Only Options Available Maximize cash flow with up to 10 years of interest-only payments.

  • Credit Event Flexibility Recent bankruptcy, foreclosure, or short sale? You may still qualify.

Ready to Start Your Journey?

Contact us today to learn mor about our loan programs and how we can assist you in achieving your homeownership dreams.

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