The Right Financing
For Every Season
Every season of homeownership calls for a different financing strategy. Whether you're planting roots, purchasing your next home, expanding your real estate portfolio, or refinancing, Harvest Mortgage Group is here to help you explore financing solutions that align with your goals.
Planting Roots
Your First Steps into Homeownership
Establishing your foundation. We guide first-time buyers and those starting fresh toward the perfect financing to plant their roots.
FHA Financing
Government-insured financing designed to make homeownership more accessible for eligible borrowers.
Key Features
- Down payments starting at 3.5% for eligible borrowers
- Flexible credit qualification guidelines
- Allows higher qualifying debt-to-income ratios for eligible borrowers
- Eligible seller concessions may help reduce upfront closing costs
Ideal for
Eligible buyers seeking more flexible qualifying guidelines.
Harvest Tip
FHA financing can help eligible buyers become homeowners and landlords at the same time by allowing the purchase of a 2- to 4-unit property with as little as 3.5% down, provided they occupy one of the units.
Conventional Financing
A flexible financing option for buyers seeking competitive rates and long-term value.
Key Features
- Down payments starting at 3% for eligible borrowers
- Fixed-rate terms available (15-, 20-, and 30-year options)
- Private mortgage insurance may be removed once eligibility requirements are met
- Available for primary residences, second homes, and eligible investment properties
Ideal for
Buyers with established credit looking for flexible financing and competitive long-term mortgage options.
Harvest Tip
You can qualify for a conventional loan with the help of a family member who doesn't plan to live in the home.
VA Loans
Exclusive financing benefits for eligible veterans and active-duty military.
Key Features
- 0% down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- More flexible credit guidelines
Ideal for
Veterans, active-duty service members, and eligible surviving spouses.
Harvest Tip
Your VA loan benefit isn't necessarily a one-time benefit. Many eligible borrowers can use it again, depending on their entitlement and eligibility.
Growing
Upgrading & Building Your Dream
As your life grows, so do your housing needs. Whether you're moving up to a larger home or building from the ground up, we have the solutions.
Jumbo Loans
Financing for luxury properties that exceed conforming loan limits.
Key Features
- Loan amounts up to $3M+
- Competitive fixed and adjustable rates
- Flexible down payment options
- Expert handling of complex financial situations
Ideal for
Buyers purchasing high-value properties in competitive real estate markets.
Harvest Tip
Jumbo Loan guidelines vary by lender. Shopping your options through a mortgage broker may provide access to different loan structures, qualifying guidelines, and pricing.
New Construction Loans
All-in-one financing for building your custom home from the ground up.
Key Features
- Single close construction-to-permanent loans
- Interest-only payments during construction
- Flexible draw schedules for builders
Ideal for
Buyers looking to build a custom home or developers funding new residential projects.
Harvest Tip
Already own your land? The equity in your land may be used toward your required down payment.
Expanding
Investing & Building Wealth
Ready to expand your portfolio? We provide specialized financing for real estate investors and business owners looking to build generational wealth.
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors.
Key Features
- No personal income verification
- Qualify based on property's rental income
- Close in an LLC or corporation
- No limit on the number of financed properties
Ideal for
Real estate investors looking to expand their portfolio without providing tax returns.
Harvest Tip
DSCR loan programs allow income from short-term rentals and individual room or unit rentals to be used when purchasing or refinancing eligible investment properties.
Bank Statement Loans
Alternative income verification for self-employed borrowers.
Key Features
- No tax returns required
- Qualify using 12-24 months of bank statements
- Personal or business accounts accepted
- Loan amounts up to $3 million
Ideal for
Business owners, freelancers, and entrepreneurs who write off significant expenses.
Harvest Tip
Qualifying doesn't always rely on one income source. Bank Statement Loans allow a combination of self-employment income, a spouse's W-2 income, and rental income.
Commercial Loans
Financing for commercial real estate and business properties.
Key Features
- Purchase, refinance, or cash-out
- Multi-family, retail, office, and industrial
- Flexible terms and amortization
Ideal for
Business owners and investors looking to purchase or refinance commercial properties.
Harvest Tip
Buying your business location instead of leasing may help you build equity while creating a long-term home for your business.
Renewing
Refinancing & Leveraging Equity
Seasons change, and so do your financial goals. Refinancing can help you lower your rate, shorten your term, or tap into your home's equity.
Rate & Term Refinance
Update your mortgage to better fit your current financial situation.
Key Features
- Lower your interest rate and monthly payment
- Switch from an adjustable to a fixed-rate loan
- Shorten your loan term to pay off your home faster
- Remove private mortgage insurance (PMI)
Ideal for
Homeowners looking to reduce their monthly expenses or pay off their mortgage sooner.
Harvest Tip
Even a slight reduction in your interest rate can save you thousands of dollars over the life of your loan.
Cash-Out Refinance
Leverage your home's equity to achieve other financial goals.
Key Features
- Access funds for home improvements
- Consolidate high-interest debt
- Fund a new business venture or investment
- Pay for college tuition or large expenses
Ideal for
Homeowners with significant equity looking to reinvest in their property or consolidate debt.
Harvest Tip
Using a cash-out refinance to pay off high-interest credit cards can significantly improve your monthly cash flow.
Harvest Tips are provided for general educational purposes. Loan eligibility and program availability vary based on lender guidelines and borrower qualifications. Contact Harvest Mortgage Group LLC to discuss your specific situation.