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Home Loan Solutions

Your path to the perfect home financing

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✅ Purchase or refinance options available 🔍 Personalized rate quotes

Our Home Loan Products

Whether you're buying, refinancing, or tapping your home's equity — we have the right loan for your goals.

Financing for primary residences, second homes, and investment properties. Fixed and adjustable rate options available.

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Replace your current mortgage with a new one to get cash out for home improvements, debt consolidation, or major expenses.

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Lower your interest rate or change your loan term without taking cash out. Reduce payments or pay off your mortgage faster.

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Quick refinance option for existing FHA loans with reduced paperwork and no appraisal required in many cases.

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Second mortgage with a fixed interest rate and fixed monthly payments. Great for large one-time expenses like renovations or education.

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Revolving line of credit secured by your home equity. Draw funds as needed, pay interest only during draw period, then amortize.

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Qualification Overview

Credit Score

Home purchase: typically 620+. Refinance: 620-680+. Home equity products often require 680+ for best rates and terms.

Debt-to-Income Ratio

Typically 43-50% max. High credit scores or large down payments may allow higher DTI ratios with compensating factors.

Loan-to-Value

Purchase: up to 97% with conventional, 96.5% with FHA, 100% with VA. Refinance: typically up to 80-97% depending on program.

Documentation

Pay stubs (30 days), W-2s (2 years), tax returns, bank statements, asset documentation, and valid ID. Streamline options require less.

Why Choose Homestead Capital Partners

  • Local underwriters for faster decisions and personalized service
  • Full suite of home loan products — one-stop shop
  • Competitive rates with rate lock options available
  • Dedicated loan officers guide you through every step
  • No hidden fees — transparent pricing guaranteed

Ready to Finance Your Home?

Whether you're buying your dream home or optimizing your current mortgage, we're here to help. Get started with a quick pre-qualification.

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Frequently Asked Questions

We offer a comprehensive range: purchase loans (primary, second home, investment), refinance options (cash-out and rate & term), FHA Streamline, home equity loans (second mortgages), and HELOCs. We'll match you with the best product for your situation.

Refinancing makes sense if you can lower your rate, shorten your term to build equity faster, or cash out home equity for expenses. We'll calculate your break-even point to ensure the savings outweigh closing costs.

Home equity loan: lump sum, fixed rate, fixed term. HELOC: revolving line, variable rate, draw period (typically 10 years) followed by repayment period. Choose based on your funding needs and tolerance for rate changes.

Most lenders allow up to 80-85% loan-to-value for primary residences (including first mortgage plus home equity product). For investment properties, it's typically lower (70-80%). We'll assess your equity and credit to determine exact amounts.

Most purchase and refinance loans require an appraisal. However, streamline refinances (FHA/VA) often waive the appraisal requirement, and some home equity products may use automated valuations for lower LTVs.

EXPLORE YOUR HOME LOAN OPTIONS

Tell us about your goals and we'll recommend the best mortgage product.

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Terms and rates are subject to lender approval and may vary based on creditworthiness and property qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.