Home Loan Programs
Four Ways to Reach Your Homeownership Goals
Established loan paths that each address a distinct point in the ownership journey. There are many ways to reach homeownership, and every buyer approaches it from a different place. These loan programs reflect that reality by providing choices based on your goals.
Remove the Uncertainty from Buying.
Generations Certification removes the uncertainty from buying, replacing it with excitement, preparation, and confidence. Every detail is handled in advance, so you can move forward, impress sellers, and stand out in the market.
Partnership: We work closely with your agent from the start, positioning your offer as serious, prepared, and ready to move the moment opportunity strikes.
Credibility: By performing full underwriting and clearing credit and income conditions in advance, your offer signals reliability to sellers and shows you’re ready to close.
Pace: With documentation handled early, we can close in as little as 21 days with a promise of an on-time closing, keeping momentum on your side.
Not sure which path is right for you? Discuss your options with a Mortgage Advisor today.
Different Paths.
One Destination: HOME
Homeownership means different things to everyone. For some, it’s stability and a place to belong. For others, it’s a strategy toward long-term financial independence. Whatever the reason, the rewards are tangible; the ability to curate a home that expresses your lifestyle, build equity over time, and establish lasting security against rising rents and shifting markets.
At GHL, we meet buyers where they are and present loan options with transparency. Our goal is to guide you through the realities of today’s market so you can choose the path that fits your financial goals with confidence.
Not sure which path is right for you? Discuss your options with a Mortgage Advisor today.
Why a Second Look Matters.
Exceptional choices begin with informed ones. A second review from our advisors can reveal ways to strengthen your loan offer and improve your investment.
What We Do
Our experienced advisors evaluate your terms through a lens of optimization and transparency. We don’t upsell. We simply show you where there may be more value, often by presenting an additional quote for comparison, so you can see exactly how your options stack up.
Not sure which path is right for you? Discuss your options with a Mortgage Advisor today.
Your home carries more than value. It carries potential.
Through a cash-out refinance, that potential can help you take the next step with purpose. Equity can support a renovation that reimagines your space, fund a child’s education, consolidate debt into a single, manageable payment, invest in a second property, or strengthen your financial story.
At GHL, we approach every refinance as a strategic partnership built on insight, transparency, and trust. We take time to understand your goals, structure solutions that fit, and bring foresight that moves every decision closer to your vision.
Not sure which path is right for you? Discuss your options with a Mortgage Advisor today.
Your next home starts with a conversation.
Our Mortgage Advisors are here to guide you through your goals, timeline, and the home you’re working toward.
Types of Loans
We offer established loan paths that address distinct points in the ownership journey.
Conventional Financing
Fannie Mae & Freddie Mac Loans are straightforward entry points to conventional financing with low down payment options and flexible pathways to ownership.
Programs such as HomeReady®, Home Possible®, and HomeOne® offer accessible conventional financing designed for first-time buyers. With as little as 3% down and flexible funding sources —including gifts, grants, or community assistance—borrowers can finance up to 97% of a home’s value, with higher combined loan-to-value options available in certain cases. Credit scores of 620 or higher typically qualify, and once equity reaches 20%, private mortgage insurance (PMI) can be cancelled. These programs introduce an entry into conventional financing, combining low down payment access with long-term stability.
FHA Loans
A conventional loan option that supports responsible first-time buyers ready to begin building equity.
For many first-time homebuyers, an FHA loan offers a welcoming path to homeownership with more flexible credit and down payment requirements. Borrowers may qualify with a 3.5% down payment and a minimum credit score of 580. FHA loans include mortgage insurance premiums (both upfront and annual), providing added protection for the lender. This program is often ideal for those establishing credit or reentering the market after financial challenges.
Down Payment Assistance
Expanded financing that brings homeownership within reach.
At Generation Home Loans, access begins with partnership. Our Down Payment Assistance program extends up to 101.5% financing, covering down payment and closing costs without added layers or outside fees. Qualification begins at a 620 FICO score, with approvals guided through Desktop Underwriter (DU) or Loan Product Advisor (LP), opening the program to a wide range of buyers without first-time requirement. Managed entirely in-house, the experience offers a more refined and immediate path into homeownership.
VA Loans
A powerful benefit for veterans, with zero down options.
Service earns opportunity. VA financing provides a powerful path to homeownership, including options for zero down payment, no monthly mortgage insurance, and full entitlement for qualified borrowers. At GHL, our Mortgage Advisors guide veterans and their families through the Certificate of Eligibility, loan structure, and closing with expertise. From contract to keys, each milestone is handled with seasoned oversight.
Jumbo Loans
Access higher loan amounts with financing designed for more complex purchases.
Jumbo financing is designed for purchases that exceed conventional loan limits, where the property and financial profile call for a more individualized structure. Qualified buyers can access higher loan amounts with flexible structures based on income, assets, and overall financial profile. Down payment requirements and credit criteria vary, with many programs offering competitive rates and options for primary, secondary, or investment properties.
Non-Qualified Mortgage (Non-QM)/Specialty
Flexible financing for buyers whose income or assets fall outside traditional guidelines.
Non-Qualified Mortgage (Non-QM) and specialty financing offers an alternative for buyers whose financial profiles extend beyond conventional or government loan standards. These programs allow for qualification using bank statements, asset utilization, or other non-traditional income sources, making them well-suited for self-employed borrowers, business owners, or those with complex financial structures. Each loan at GHL is reviewed individually and managed in-house.
Calculate What Works Best
Put insight behind your decisions with tools that confirm your home buying power.
Affordability Calculator
Discover how your finances translate into your home price range.
Payment Calculator
See how monthly payments come together, and plan with greater certainty.
Rent vs Buy Calculator
Compare renting and owning side by side to understand which path best supports your long-term goals.
