Buyer Resource Center
Loan Options
With everything from zero-down VA loans to flexible FHA programs, there's likely a loan type that's perfect for your situation. We'll help you explore all your options and find the one that makes homeownership affordable and stress-free for you.
Non-QM Loan Programs
From Bank Statement loans to DSCR loans for investors to 1099 loans, there are several options for Borrowers that need “out of the box” financing options that not all Lenders offer.
Conventional Loans
These are the most common mortgages that aren't backed by the government, typically requiring good credit and a steady income. They offer flexibility with loan terms and are great if you have a solid financial foundation. Down payments sometimes available as low as 3-5%
FHA Loans
Perfect for first-time buyers or those with less-than-perfect credit, these government-backed loans only require 3.5% down. FHA loans often have slightly lower interest rates than conventional loans but come with mortgage insurance to protect the lender.
VA Loans
Exclusively for military veterans, active service members, and eligible spouses, these loans require no down payment and no monthly mortgage insurance. They're one of the best deals available if you qualify, with competitive rates and flexible credit requirements.
USDA Loans
Designed for rural and suburban homebuyers, these zero-down loans help make homeownership possible in smaller communities. You'll need to meet income limits and the property must be in an eligible area, but they're fantastic for qualifying buyers.
Jumbo Loans
For luxury homes that exceed conventional loan limits (over $766,550 in most areas in 2025), jumbo loans fill the gap when you need to borrow more. They typically require larger down payments and excellent credit, but they let you finance your dream home.
ARM Loans (Adjustable Rate Mortgage)
These start with lower rates that adjust after a set period, making them appealing if you plan to move or refinance within a few years. They can save money upfront but it comes with the unknown of rate changes later.
Loan Process
We know the mortgage process can feel like learning a foreign language, so we break it down into simple steps and keep you updated every step of the way. From application to closing, we handle the paperwork maze while you focus on picking out paint colors for your new home.
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Pre-Approval
With access to financial documents, we are able to evaluate how much can be borrowed. This gives you a pre-approval letter showing sellers you’re a serious, qualified buyer.
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House Hunting & Purchase Agreement
After finding a home that fit you or your family needs and your offer is accepted, you sign a purchase agreement that outlines the terms, price, and closing timeline.
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Loan Application & Processing
You formally apply for the mortgage and we order an appraisal, verifying your documentation. The underwriter evaluates your file to ensure you meet the criteria needed and that the property meets the necessary requirements.
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Closing
Once you complete the final loan documents, conduct a final walk-through of the property and sign all paperwork the funds are transferred and you’ll finally have the keys to your new home!
Loan Calculators
Our user-friendly calculators take the guesswork out of homebuying by giving you clear, instant answers to your biggest financial questions. We know crunching numbers can feel overwhelming, so we've designed these tools to be simple and straightforward—no math degree required! Use the calculators below to explore different scenarios, plan your budget, and feel confident about your next step whether you're buying your first home or refinancing your current one.
How much can I afford right now for a mortgage loan?
Affordability Calculator
Cut out the guessing and find a home in your budget. Just fill out your information and find out how much you can afford based on your current situation.
How much can I save if I refinance my mortgage?
Refinance Savings Calculator
Would refinancing your mortgage save you money? Enter your information and see for yourself if refinancing is the best decision for you.
What does the future of my loan look like?
Amortization Calculator
Try out this calculator to see how different “what if” scenarios work for you. When it comes to paying interest, or extra payments, find out if it could help you in the long run.
When we pull your credit, the Fair Credit Reporting Act (FCRA) allows the Credit Bureaus to sell your information regarding the Credit Inquiry to Lenders that buy leads to solicit you. M3 Mortgage does no purchase these type of “Trigger Leads”. They are usually purchased by online, non local Lenders and Brokers.
To avoid these bothersome phone calls from other Lenders, Opt-Out before we pull your Credit. Opt-Out Prescreen allows you to click a button and remove the ability for the 3 Major Credit Bureaus to sell your information for 5 years. You can sign and mail in the form if you’d like to permanently remove your information. You can Opt-Out of solicitations by visiting the websites below:
Opt-Out
Opt-Out of Mailers & Email Solicitations:
www.optoutprescreen.com
Opt-Out of Phone Solicitations:
www.donotcall.gov/