Archives: Programs


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What is a USDA Loan??

USDA Loans are sponsored by the United States Department of Agriculture and are designed to help low- and moderate-income families pursue homeownership in rural areas.

What Are the Benefits of a USDA Loan?

USDA Loans require no down payment and are beneficial for low-income homebuyers in rural or suburban areas.

How Do I Apply for a USDA Loan?

Find out if you qualify for a USDA Loan and what properties are eligible by contacting one of our mortgage specialists.


  • 100% USDA Financing
  • No Reserves Required



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What is a VA Loan?

A VA Loan is federally sponsored by the Veterans Administration for the purpose of helping veterans and active service members become homeowners.

What Are the Benefits of a VA Loan?

VA Loans require no down payment, typically have limited closing costs and are a lifetime benefit for veterans and active service members, meaning it can be used multiple times.

How Do I Apply for a VA Loan?

If you’re an active service member or a veteran, we’d be happy to help you get started. To learn more and find out if you qualify, contact one of our knowledgeable loan officers.


  • 100% Financing for Purchase Transactions IRRRL (Interest Rate Reduction Refinancing Loan)
  • VA Cash-Out Transaction (100% LTV)
  • VA Energy-Efficient Mortgage (EEM)
  • VA High Balance



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What is a Non-QM Loan?

A Non-Qualified Mortgage (Non-QM) loan 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 using bank statements to determine a self-employed borrower’s cash flow, qualifying investors based on the cash flow of the investment property, or using assets as income.

How Does a Non-QM Loan Work?

A Non-QM loan allows applicants to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using assets as income.

Is a Non-QM Loan Right for You?

Contact one of our Non-QM Loan specialists to learn more about how a Non-QM Loan works, find out if you qualify, and review your options.


  • Bank Statement Loans
  • 1099s Self-Employed
  • P&L Validated with 2 Mos Bank Statements
  • Asset Utilization
  • Debt Service Coverage Ratio Loans (DSCR)
  • Mixed Use and Multi-Family DSCR
  • Investment Loans closed in LLC or Corp Name
  • ITIN Available for OO, 2nd Homes, and NOO
  • ITIN Bank Statement Loans
  • Non-Warrantable Condos/Condotels
  • Expanded Credit Scores and DTIs
  • 40-Year Term Loans
  • Second Liens
  • Cash Out and Debt Consolidation Loans


State Bond / DPA

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What is a Bond Loan?

Bond Loan Programs are partially funded by mortgage revenue bonds issued by state and local governments. This allows lenders to offer lower interest rates for this loan product, making it ideal for borrowers with low to moderate incomes.

What is a DPA Loan?

A DPA Loan Program, or Down Payment Assistance Program, helps reduce the amount needed for a down payment through the use of loans and grants.

How Do I Apply for a Bond/DPA Loan?

To explore your options for a Bond/DPA Loan, contact one of our experienced mortgage specialists who can review your unique situation and determine what type of financing is best for your family.


  • Variety of Bond and DPA Programs
  • We Continue to Add Programs Offered by Local, State, County, and City Governed Agencies



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What is an FHA Loan Program?

FHA loans are backed by the Federal Housing Administration, allowing FHA-approved lenders to offer financing to borrowers who might not otherwise qualify.

What Are the Benefits of an FHA Loan Program?

An FHA loan doesn’t require a large down payment, making it a great loan option for homebuyers with lower credit scores or limited savings.

How Do I Apply for an FHA Loan?

To review your FHA options and find the best financing for your family’s unique situation, contact one of our experienced loan officers today.


  • FHA 203 (h) Mortgage Insurance for Disaster Victims
  • Streamline Refinance
  • $100 Down REO
  • Good Neighbor Next Door (GNND)
  • Energy-Efficient Mortgages
  • Purchase, Refinance, Streamline, Cash Out, Condos, Disaster Relief
  • Solar Wind Technology



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What is a Reverse Home Loan?

A Reverse Loan, also called a Reverse Mortgage, is a specific type of loan for homeowners aged 62 and over who want to stay in their homes without paying a hefty monthly mortgage. It allows you to convert your home equity into cash income with no up-front or monthly payments.

How Does a Reverse Loan Work?

A Reverse Mortgage differs from a traditional loan in that your lender pays you rather than you paying your lender. You choose how to receive your funds, and you only pay interest on the proceeds you receive. You keep the title to your home, however, you must still pay your property and hazard insurance.

Is a Reverse Loan Right for You?

To find out if you qualify for a Reverse Mortgage and learn more about how the loan works, contact one of our Reverse Home Loan specialists to review your options.


  • No Minimum Credit Score—Credit and Income Analyzed to Show Ability to Pay Property Taxes, Homeowners Insurance, and Credit Obligations
  • Fixed and Adjustable-Rate Options
  • Dedicated Team to Support All of Your Reverse Mortgage Needs
  • HECM for Purchase Option
  • HECM Jumbo Loans from $850K up to $4M



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What is a Renovation Loan?

A Renovation Loan is perfect for you if you want to upgrade your older home or fixer upper. It typically covers the cost of renovating, remodeling, and installing new plumbing or electrical systems.

What Are the Benefits of a Renovation Loan?

This is a great loan for borrowers who want to increase the value of their homes and save money on future heating and plumbing bills.

How Do I Apply for a Renovation Loan?

There are multiple types of financing you may qualify for. Contact one of our experienced Reno Loan specialists to see what type of financing would be best for your family.


  • FHA 203 (k)
  • Fannie Mae HomeStyle® Renovation
  • Limited 203(k) Mortgage (In-House)



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What is a Conforming Loan?

A Conforming Loan, also called a Conventional Loan, is a loan that “conforms” to the specific guidelines of Fannie Mae and Freddie Mac, two government-backed mortgage companies that were formed to make homeownership possible for many people.

What Are the Benefits of a Conforming Loan?

You will benefit from a conforming loan’s standard eligibility, competitive pricing, and affordable features.

How Do I Apply for a Conforming Loan?

One of our loan specialists will be happy to review your unique situation to determine what type of Conforming Loan is right for you.


  • Fixed Rate
  • Cash-Out Transactions
  • FNMA Homestyle
  • Multiple Properties (up to 10 Financed)
  • Conforming High-Cost Loans
  • 97% Conventional Financing



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What is a Jumbo Loan?

A Jumbo Loan is an option for buyers whose home price exceeds the local area loan limit for conventional conforming programs.

What Are the Benefits of a Jumbo Loan?

This type of loan is beneficial for homebuyers financing a more expensive property, which in most counties includes anything above $548,250, as determined by the FHFA.

How Do I Apply for a Jumbo Loan?

To prequalify for a Jumbo Loan and learn about our competitive rates, contact one of our mortgage specialists who can assist you with your financing needs..


  • Loan Amounts of up to $10M (Higher in Some Cases)
  • Delayed Financing
  • Fixed-Rate Mortgages (10–30 Year Terms)
  • Cash-Out Transactions for Second Homes
  • In-House Underwriting
  • No Mortgage Insurance with Non-QM


NQM Funding, LLC (NMLS # 75597) dba - Premier Mortgage Associates; Villa Home Loans; Texas: Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at -