Loan Programs

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Conventional Home Loans

Conventional loans are for borrowers that have credit scores above 580 , stable income, low debts and some down payment. This type of loan is the most common and the least complicated way to get the most flexible mortgage options.
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  • Fixed and adjustable rates available 
  • Loan terms of 10, 15, 20 and 30, flexible terms available
  • Loan Amounts in 2023 up to $726,200
  • For primary, secondary, and investment properties
  • Down payments as low as 1% for those that qualify
  • Available for Purchase and Refinance Transactions
  • In higher cost of living areas, loan amounts up to $947,200
  • JUMBO loans are also available (loans that exceed the maximum loan amount)
get pre-approved
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FHA Home Loans

The Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development (HUD) insures this type of mortgage. FHA Loans are more forgiving for those with blemished credit and higher debt ratios. FHA Loans are great for first time home buyers because of their flexibility, although anyone can apply.
  • For Primary Residence and Secondary residences only
  • A 3.5% payment is required, which can be gifted or funded with a down payment assistance program
  • A Seller can contribute up to 6% towards the buyers closing costs.
  • Requires Mortgage Insurance Premium (MIP) for the life of the loan.
  • Available for Purchase and Refinance Transactions
Get Pre-Approved
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VA Home Loans

The Department of Veterans Affairs (VA) offers financing for Veterans. The VA determines eligibility and will issue a certificate of eligibility to qualifying applicants.  
  • Must be a Veteran, Active Duty Military, or member of the Reserves.
  • 100% Financing
  • Buyers can borrower an additional $50,000 for home repairs
  • No Monthly Mortgage Insurance
  • Closing Costs can be gifted by immediate family
  • Available for Purchase and Refinance Transactions
Get Pre-Approved
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USDA Home Loans

The US Department of Agriculture (USDA) offers mortgage loans in eligible areas that are considered rural. USDA will only allow a borrower to have one financed property at a time.  There are some income restrictions for USDA loans. This type of loan is great for first time home buyers.
Get Pre-Aproved
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NON-QM & Other Special LOAN programs

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using your assets as income.
  • NO DOC LOANS - yes we have them! FICO and savings is all you need.  We have no-doc loans for primary residence! 
  • Bridge Loans -No need to wait to sell or put an contingency on an offer - no payments for up to 1 year! Buy your next home now while you list your current home!
  • One-Time Close Construction 
  • Gig / Self Employed 
  • Hard to prove income loans
  • No Income Loans
  • Bank Statement Loans
  • DSCR Loans
  • Fix and Flip Business Purpose Loans
  • Asset Based Lending - other Investor Programs
Get Pre-Approved
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Reverse Mortgages

A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments. These loans are backed by the Federal Housing Administration. 
  • Primary Home
  • For those 62 and older
  • No Monthly Mortgage Payments 
  • Receive Money Monthly
Get Pre-Approved

Work With Yahweh

When you are buying or selling, Yahweh assists you in the rapid sale or needs of your home and utilize the latest technology and strategies to include marketing and presentation.

Let's Connect

Contact Details

Yahweh Yahweh

Phone

(984) 800-6655

Email

[email protected]

Address

8480 Honeycutt Rd., #200 Raleigh, NC 27615

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