Home / Loan Options
Loan Options
Every borrower’s situation is different. Here’s a quick look at the programs we offer — we’ll help you match the right one to your goals.
FHA Loans
Flexible credit requirements with down payments as low as 3.5%. Popular with first-time buyers.
VA Loans
Zero down payment financing for eligible veterans, service members, and surviving spouses.
Conventional Loans
Competitive terms for borrowers with solid credit, with down payments starting around 3%.
Jumbo Loans
Financing above conforming loan limits for higher-value home purchases and refinances.
Home Equity Loans
Borrow against your home’s equity for renovations, debt consolidation, or major expenses.
DSCR Loans
Qualify investment properties based on rental cash flow instead of personal income.
Non-QM Loans
Alternative documentation programs for self-employed and non-traditional income borrowers.
Not sure which fits?
Tell us your situation and we’ll recommend the right program — no obligation.
Loan program FAQs
Is National Choice Mortgage a broker or a direct lender?
Both. We fund loans directly in-house and also shop your scenario across 30+ wholesale lending partners, so you get the better of the two instead of being limited to one bank’s rate sheet.
What loan programs do you offer?
Conventional, FHA, VA, jumbo, home equity, DSCR, and non-QM loans, for both purchases and refinances.
How much down payment do I need?
It depends on the program: VA loans allow as little as 0% down for eligible borrowers, conventional loans can start around 3%, and FHA loans require as little as 3.5%.
Can I qualify with less-than-perfect credit or non-traditional income?
Often, yes. FHA loans are built for more flexible credit profiles, and Non-QM and DSCR programs use alternative documentation for self-employed borrowers and real estate investors.