Loan Options

Which Loan is Right for You?

With hundreds of loan programs out there, choosing the best one can seem overwhelming. Our dedicated Home Loan Experts will help you explore your options and select the one that makes the most sense for your situation. Whatever your budget, we have the program for you.

As a full-service Direct Lender, we’re here to help make this as simple and hassle-free as possible. Zero lender fees and some of the lowest rates available makes it easy to finance your future affordably.

APPLY NOW

Fixed Rate Mortgage

Why risk it? Protect yourself from market fluctuations and take advantage of near-record-low interest rates. Gain peace of mind with the security of a consistent monthly payment. Offering terms from five to thirty years, the majority of our loan products are available with fixed-rate options.

Adjustable Rate Mortgage (ARM)

Don’t pay more for your mortgage than you have to. If you’re planning on moving or selling your property in just a few years, consider the benefits of an ARM. Often starting rates for these programs are lower than a typical fixed-rate mortgage, which can potentially save you thousands.

Jumbo Loan

Designed for loan amounts ranging from $417k to $2.5mm, this product is perfect for those borrowers whose home value exceeds the traditional conforming guidelines. Many of our clientele prefer the 5-year ARM, allowing for maximum control and close management of finances, while offering the lowest available market rate.

APPLY NOW

Government Loan Programs

365 Home Lending, Inc. is an approved FHA/VA lender. Some of our most popular loans, these government programs are designed to help borrowers qualify with more flexible lending guidelines and relaxed credit requirements.

$0 Down payment on purchases. Borrow up to 100% LTV.
Bankruptcy Ch. 7, 11 & 13: Two years
Short sale: Three years
Foreclosure: Three years
Credit: 600+

3.5% Down payment on purchases. Cash-out refinances up to 85% LTV.
Bankruptcy Ch. 7, 11 & 13: Two years
Short sale: Three years
Foreclosure: Three years
Credit: 600+

Up to 150% LTV for qualified homes. Dependent upon automated underwriting systems "DU" or "LP" when it comes to bankruptcies, short sales, and foreclosures. Speak with a licensed representative to help determine your eligibility.
Credit: 600+

Frequently Asked Questions

Our home loan experts can arm you with helpful mortgage information plus other valuable resources to help make your home loan process quick and easy!

Yes. We control the entire mortgage process, enabling us to deliver low home loan rates and closings up to 50% faster than the industry average.

We have a strict “No Steering” policy, assuring that you get the right loan for your current and future needs. Choices for home loans include FHA, VA, Jumbo, ARM and fixed mortgage programs.

Yes. We are recognized pioneers in our industry and our licensed loan officers are state licensed in accordance with the federal government’s S.A.F.E. Act.