Every client has unique priorities, resources and goals. At FM Home Loans, we have successfully helped thousands of satisfied clients by presenting all relevant options. We weigh the costs and benefits of each loan type and match the client to the very best loan for their needs.
Conventional Mortgages
There are 3 types of conventional loans in the United States: conforming loans, non-conforming loans and high-balance mortgages.
Fixed Rate Mortgages
Exactly as its name implies, a Fixed Rate Mortgage has a fixed interest rate that remains static for the life of the loan.
Adjustable Rate Mortgages
An adjustable-rate mortgage (ARM) has a flexible interest rate that responds to market fluctuation.
Government Loans
You may be eligible for preferred rates and protections through government programs for military vets, senior citizens and many other designations.
Specialty Loans
If you are considering buying a home later in life, a foreign national looking to purchase a home in the US, or building a brand new home, let FM Home Loans find the best loan available to you.
Pre Approval
Getting Pre-Approved is the best way to begin the home buying process.
Non-QM Investor Solutions
FM Home Loans offers Non-QM Investor Solutions, providing diverse lending products designed to meet the unique needs of investors. Our programs are tailored to understand and align with investors' goals through every step of the process, to achieve their objectives.
Non-QM Owner Occupied
FM Home Loans delivers responsible non-prime lending products, serving alternative credit and income borrowers in the current mortgage market. Our programs are tailored to overcome the challenges limiting borrowers' access to credit through pragmatic underwriting practices.
Non-QM Foreign Nationals
FM Home Loans offers responsible non-prime lending products, catering to foreign nationals with alternative credit and income profiles in today’s mortgage market. Our programs are designed to effectively address the challenges foreign nationals face in accessing credit.
Down-Payment Assistance programs
Our Down-Payment Assistance Programs are designed to help eligible homebuyers with the initial costs of purchasing a home, offering grants and low-interest loans that make homeownership more accessible and affordable. Whether you're a first-time buyer or looking to upgrade, our tailored solutions can provide the financial boost you need to secure your dream home.
Fix and Live
Fix and Live Description
Affordability Program
Affordability Description
Fix & Flip Program
Fix & Flip Description