Loan Programs
FHA Mortgage Home Loan
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
Conventional Mortgage Home Loan
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
VA Mortgage Home Loan
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 Mortgage Home Loan
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
For Primary Residence
House must be in a Rural Development-eligible area.
Jumbo Mortgage Home Loan
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 Mortgage Home Loan
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.
*Not available in all states
Primary Home
No Monthly Mortgage Payments
For borrowers 62 years & older
Receive Money Monthly
Non-QM Home Loan
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not meet traditional lending criteria but still have the ability to repay. These loans offer flexibility in documentation and underwriting to serve self-employed individuals, real estate investors, and others with unique financial situations.
Flexible Income Documentation Options (e.g., bank statements, asset-based income)
Available for Primary, Second Homes, and Investment Properties
Fixed and Adjustable Rate Terms
Can Finance High-Value Properties Above Conventional Loan Limits
Ideal for Self-Employed Borrowers or Those with Non-Traditional Income
Schedule a Consult
Looking to make your home goals a reality? At Seabright Mortgage, we’re here to guide you with straightforward, expert advice that keeps your best interests front and center. Whether you’re buying your first home or exploring refinancing, we’ll make sure you get the support you need every step of the way. Let’s connect today to start planning your home loan journey, with service you can trust from people who genuinely care.