Loan Programs

Discover the convenience and flexibility of our one-time close new construction loans, designed to streamline your journey from blueprint to front door. This all-in-one financing solution combines both your construction and permanent mortgage into a single loan, simplifying the process and potentially saving you time and money. With only one set of closing costs and one loan application, you avoid the hassle of securing separate loans and multiple closings. Our streamlined approach ensures you have the funds you need during the construction phase and a smooth transition to your permanent mortgage once your home is completed. Perfect for those looking to build their dream home with minimal stress and maximum efficiency.

Explore the benefits of conventional loans, a popular choice for homebuyers seeking flexibility and competitive rates. these loans, not insured or guaranteed by the federal government, offer a range of terms and conditions to fit your financial needs. with options for both fixed and adjustable rates, conventional loans provide the opportunity to choose a plan that aligns with your long-term goals. Enjoy the advantage of potentially lower private mortgage insurance (pmi) requirements if you make a substantial down payment, and benefit from straightforward approval processes and a wide array of property types eligible for financing. Ideal for those with good credit and stable finances, conventional loans offer a reliable path to homeownership.

Experience the benefits of VA loans, a powerful financing option available exclusively to eligible veterans, active-duty service members, and certain members of the national guard and reserves. Backed by the U.S. Department of Veterans Affairs, these loans offer significant advantages, including no down payment requirement and no private mortgage insurance (PMI), which can result in substantial savings.
With competitive interest rates and flexible credit standards, VA loans make homeownership more accessible and affordable for those who have served our country. Enjoy a streamlined approval process and the peace of mind that comes with a loan tailored to honor your service and support your homeownership goals.

Unlock the potential of homeownership with FHA loans, designed to make buying a home more accessible and affordable. Backed by the Federal Housing Administration, these loans are ideal for first-time buyers and those with less-than-perfect credit. FHA loans offer lower down payment requirements, often as low as 3.5%, and more flexible credit score criteria compared to conventional loans. With competitive interest rates and options for both fixed and adjustable rates, FHA loans provide a supportive pathway to homeownership, helping you achieve your dream of owning a home with less financial strain and greater ease.

Unlock the potential of your home’s equity with our Home Equity Lines of Credit (HELOCs), offering a flexible and convenient way to access funds for a variety of needs. A HELOC allows you to borrow against the value of your home, providing you with a revolving line of credit that you can draw from as needed. Ideal for funding home improvements, consolidating debt, or covering unexpected expenses, a HELOC offers competitive interest rates and the flexibility to borrow and repay funds over time. With the ability to access cash as you need it and only pay interest on the amount borrowed, a home equity line of credit is a versatile financial tool designed to help you make the most of your home’s value.

Leverage the value of your home with our home equity loans, a straightforward way to access a lump sum of cash for major expenses or financial goals. Unlike a home equity line of credit (HELOC), a home equity loan provides a fixed amount of money with a fixed interest rate, allowing for predictable monthly payments and straightforward budgeting. Ideal for large projects such as home renovations, debt consolidation, or significant purchases, this loan taps into the equity you’ve built in your home. With competitive rates and flexible terms, home equity loans offer a reliable and structured solution to utilize your home’s value while managing your financial needs with confidence.

Buying your first home is an exciting and significant milestone. At GenPoint Mortgage, we understand that the mortgage process can seem overwhelming, but we’re here to guide you every step of the way.

Optimize your mortgage with our refinancing options, designed to help you achieve better financial terms and reach your homeownership goals. Refinancing allows you to replace your existing mortgage with a new one, potentially lowering your interest rate, reducing monthly payments, or shortening the loan term. whether you’re looking to consolidate debt, access home equity, or adjust your mortgage to better fit your current financial situation, our refinancing solutions provide the flexibility and support you need. With competitive rates and personalized service, we’ll guide you through the process to ensure a smooth transition and help you make the most of your mortgage.

Step into homeownership with confidence using our purchase loans, tailored to help you finance your new home with ease and flexibility. Whether you’re a first-time buyer or an experienced homeowner, our range of loan options offers competitive interest rates and terms to fit your financial needs. From Conventional and FHA to VA and USDA loans, we provide personalized solutions that align with your budget and goals. Our expert team will guide you through every step of the buying process, ensuring a smooth and efficient experience from pre-approval to closing. With our purchase loans, you can turn your dream of owning a home into a reality.