Loan Options

Finance Home Upgrades with Renovation Loans Renovation loans combine home purchase or refinance costs with repair or upgrade expenses into one convenient mortgage. This makes it easier for buyers to purchase fixer-uppers or for homeowners to improve property value while refinancing. At Team GWC of Citywide Home Mortgage, we make…

Affordable Options for First-Time Homebuyers First-time homebuyer programs make entering the housing market easier with lower down payments, flexible credit standards, and sometimes additional assistance. These programs can be paired with FHA, VA, or Conventional loans, giving new buyers a range of affordable choices. At Team GWC of Citywide Home…

Avoid PMI with an 80/10/10 Loan An 80/10/10 loan-also called a piggyback mortgage-helps buyers reduce upfront costs and avoid private mortgage insurance (PMI). The structure includes an 80% first mortgage, 10% second mortgage, and 10% down payment. This strategy is ideal for borrowers with strong credit who want to lower…

Lower Costs with Down Payment Assistance Saving for a down payment is often the biggest hurdle to homeownership. Down Payment Assistance (DPA) programs provide grants or forgivable loans that reduce upfront expenses. These programs are often paired with FHA, VA, or Conventional loans, making it easier for qualified buyers to…

Build Your Home with a Construction Loan Construction loans finance the land, labor, and materials needed to build a new home or complete a major renovation. These short-term loans often convert to permanent mortgages after completion, streamlining the process. At Team GWC of Citywide Home Mortgage, we offer flexible construction…

Flexible Financing with Conventional Loans Conventional loans are the most common type of mortgage, offering flexible terms, competitive rates, and broad eligibility. Ideal for borrowers with strong credit and stable income, these loans are not government-backed, making them versatile for primary residences, vacation homes, and investment properties. At Team GWC…

Affordable Homeownership with FHA Loans FHA loans are government-backed mortgages designed to make homeownership more accessible. With lower down payment requirements and flexible credit standards, FHA loans are especially popular with first-time homebuyers. They provide affordable entry into the market without sacrificing competitive rates. At Team GWC of Citywide Home…

Exclusive Benefits with VA Loans VA loans are government-backed mortgages created for veterans, active-duty service members, and eligible spouses. They provide zero down payment, no private mortgage insurance, and highly competitive rates. This powerful combination makes VA loans one of the most affordable home financing options available. At Team GWC…

High-value mortgage financing for luxury and large properties umbo loans are designed for high-value properties that exceed conforming loan limits. With larger loan amounts, flexible repayment terms, and competitive rates, these loans help qualified buyers finance luxury or unique homes. At Team GWC of Citywide Home Mortgage, we guide borrowers…

Save More with Adjustable-Rate Mortgages Adjustable-Rate Mortgages (ARMs) begin with a lower introductory interest rate, providing short-term savings before adjusting based on market conditions. This makes ARMs ideal for buyers who plan to sell, refinance, or relocate within a few years. At Team GWC of Citywide Home Mortgage, we help…