First-Time Homebuyer Programs
Lower down payments and flexible terms built around your first purchase.
Loan programs
Find the Right Loan for Your Situation.
No two borrowers are alike — so why should every mortgage be? Every borrower has a unique financial story.
That is why we do not believe in one-size-fits-all mortgages. We take the time to understand your goals, compare solutions from multiple wholesale lenders, and match you with the financing option that fits your situation. The right loan is not just about the lowest rate — it is about the right solution for you.
What we offer
Direct Communication
Talk to your actual loan officer — not a call-center queue.
Built for Speed
A streamlined process built to keep your file moving.
Real, In-Office Team
A local team you can meet in person, start to finish.
Bilingual & Beyond
We serve clients in English, Spanish, Creole and Portuguese.
Multiple lenders in one place
Find the right loan for you.
From conventional and government-backed loans to specialty financing for self-employed borrowers and investors.
Buying a Home / Re-Financing
Down Payment Assistance
Grant and second-lien programs that help cover down payment and closing costs.
Traditional Mortgages / Government Sponsored
Conventional Loans
Competitive fixed- and adjustable-rate options for borrowers with strong credit.
FHA Loans
Low down payments and flexible credit requirements, insured by the FHA.
VA Loans
Zero-down financing for eligible veterans, service members and surviving spouses.
USDA Loans
Rural and suburban financing with no down payment for eligible properties.
Self-Employed & Investors
DSCR Loans
Qualify on the property's rental income instead of personal tax returns.
Bank Statement Loans
12–24 months of bank deposits used as income documentation.
Jumbo Loans
Loan amounts above conventional conforming limits.
Hard Money Loans
Short-term, asset-based financing for investor scenarios.
Building & Renovating
Construction to Permanent
A single-close loan covering the build and the long-term mortgage.
FHA 203(k)
Finance the purchase and the renovation in one government-backed loan.
HomeStyle Renovation
A conventional renovation loan backed by Fannie Mae.
Builder / Spec Home
Financing for builders on speculative inventory.
Home Equity
HELOC
A revolving line of credit secured by the equity in your home.
Home Equity Loan
A lump-sum second mortgage at a fixed rate.
Realtor & Partners
Dedicated In-House Team
Partner with a brokerage that supports your business as much as your buyers.
- A dedicated realtor app
- CRM access to track your pipeline
- Back office support to track your deals
- A dedicated office staff working Monday through Friday, including after hours and weekends
Program availability varies by lender, state and borrower eligibility. All programs are subject to lender approval, credit review, income and asset documentation and property eligibility. This is not a commitment to lend.
The process
Our simple loan process.
- 01
Start Application
Minutes
Complete a short, secure application online or with a loan officer so we can review your goals and get started.
- 02
Pre-Approval
1–2 business days
Share your financial information with our team so we can determine how much you can borrow and issue a pre-approval letter — your first step toward house hunting with confidence.
- 03
Loan Processing
5–10 business days
Once you've found a home and signed a purchase agreement, our processing team orders the appraisal, verifies employment and assets, and prepares your file for underwriting — keeping you updated at every step.
- 04
Underwriting
Varies by lender
The lender reviews your full file against program guidelines and may request additional documentation before issuing an approval.
- 05
Lock Your Rate
Varies by market
We help you choose the right time to lock in a fixed interest rate, protecting you from market fluctuations while your loan is processed.
- 06
Closing
Varies by market
Review and sign your final documents, fund the loan and get the keys to your new home.
Where we lend
Markets where we operate
We only advertise services in states where Your Mortgage Choice, LLC is licensed. Licensing in additional states may be in process.
- Florida
- Colorado
- North Carolina
- South Carolina
- Texas
One Application. Multiple Mortgage Options.
Apply once and we will compare options across our lender network, then walk you through what each one actually means for your payment and your timeline.