Specialty Home Loans offers a full range of conventional loan options to fit the needs of every borrower. Whether your client wants the stability of a fixed-rate mortgage, the initial flexibility of an adjustable-rate mortgage (ARM), or financing in higher-cost markets with High Balance loans, we have you covered.

For low to moderate income borrowers, HomeReady and Home Possible offer accessible paths to homeownership with low down payment options. Eligible first-time homebuyers on these programs may also qualify for the Very Low Income Purchase (VLIP) credit, which helps offset down payment and closing costs.

We also offer temporary buydowns to help clients ease into their payments, giving them more breathing room in the early years of homeownership.