Loan Programs
As a direct lender we offer a wide range of products and programs to fit almost any scenario.
We love options!
Below are a few of the most common loans utilized by our borrowers.
Reverse Mortgages
Bridge Loans
Down Payment Assistance
10, 15 and 20 Year Mortgages
First and 2nd Mortgage Combinations
Asset Depletion Loans
Home Ready
Home Possible Programs
Conventional Loan
- As little as 3% down
*Please visit our Disclosures page for more details for all loan types - Monthly MI required if putting less than 20% down
- Gift funds allowed
- Reserves may be required
- Debt to income limitations of 45-50%
- 620 Minimum FICO
- Fixed and adjustable rate options available
FHA Loan
- Minimum down payment of 3.5%
- Both upfront and annual mortgage insurance required
- Gift funds allowed
- No reserves necessary
- More flexible debt to income requirements
- 580 minimum FICO
VA Loan
- No down payment
- Funding fee may be required depending on veteran’s exemption status
- Most lenient debt to income ratio restrictions
- Will accommodate various credit profiles
- Lowest average interest rates of all loan types
*Please visit our Disclosures page for more details for all loan types
Jumbo Loan
- Loan amount exceeds county loan limits
- Higher down payment and cash reserve requirements
- Strict debt to income ratio restrictions
- Subject to more rigorous underwriting guidelines
- Strong credit profile needed
Adjustable Rate Mortgage
One of the mortgage options we proudly offer at Golden Eagle Mortgage is the Adjustable Rate Mortgage (ARM). An ARM is a type of mortgage loan where the interest rate is variable and has the potential to fluctuate over time.
This means that your monthly mortgage payments may change, depending on the market conditions and the terms of your loan. More about our ARM Loans in Hollister, CA:
USDA Loan Programs
We are delighted to be your trusted partner in your journey towards homeownership. With our wide range of loan programs and expert mortgage consultants, we are dedicated to helping you find the perfect financing solution that fits your unique needs.
At Golden Eagle Mortgage Group, we understand that obtaining a mortgage can sometimes be a daunting task. That’s why we strive to make the process as smooth and hassle-free as possible.
