Flexible Loan Options for Every Homebuyer
Finding the right mortgage should be simple. Whether you’re a first-time homebuyer, a veteran, or looking for a jumbo loan, Brightside Mortgage offers a variety of loan programs tailored to your needs. Our expert team will guide you through the process, ensuring you choose the best financing option for your home.
A mortgage isn’t one-size-fits-all. Let’s find the loan that works for you.
Loan Program Options
First-Time Home Buyers
Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.
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FHA Home Loan
An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
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VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits
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USDA Loans
A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.
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USDA Eligibility Tool
Use this official USDA eligibility tool to check if a property falls within an approved rural area and to determine your household’s income qualification for USDA-backed loans. This can help you quickly assess whether a USDA loan may be an option for your home financing needs.
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Jumbo Loans
A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
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Conventional Mortgage
"Conventional mortgage" or "conventional loan" is a term you'll always encounter when shopping for a mortgage. After all, this common mortgage type is provided by most lenders.
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Rehab Loan
Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!
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Low Down Payment
Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.
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Investment Property Loan
Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
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Refinance
When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.
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15-Year Fixed Rate Mortgage
Unlike adjustable-rate mortgages, where interest rates can fluctuate, a 15-year fixed-rate mortgage ensures your interest rate remains steady throughout the life of the loan.
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30-Year Fixed Rate Mortgage
It's not just a financial instrument; it's a key that opens the doors to the place you call home. Let's look at this mortgage option and discover how it can turn your dream into reality.
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203K Loans On The Cheap
203K Loans are a unique financing option backed by the Federal Housing Administration (FHA) that enables homebuyers and homeowners to roll renovation costs into their mortgages.
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Reverse Mortgage
A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.
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Mortgage Rate Options
Fixed Rate
Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.
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Adjustable ARM
The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.
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Interest Only
An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.
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Graduated Payment
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time
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NON-QM "Non-Traditional" Loans
1099 Mortgage
On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.
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Bank Statement Loans
A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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Debt Service Coverage Loan
As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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ITIN Mortgage
Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
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Asset Utilization
Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.
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