Loan Programs

Circle Mortgage Group provides its clients with mortgage products and programs currently available through Fannie Mae, Freddie Mac, and Government lenders, along with a few smaller portfolio institutions. If you have a special need, we also have relationships with private lenders, credit unions, and other lending institutions.

Obtaining a mortgage for a home where you will live is a big decision, one that should not be taken lightly or with using risky financial products. When buying a home, the mortgage product chosen should fit into your financial picture and create peace of mind, not a nervous tic. Below are listed the most common products chosen to mortgage a residential property.

Fixed Rate Mortgage

Adjustable Rate Mortgage

Hybrid ARM

FNMA – expanded approval

Stated Income/Verified Assets

Government loans

Government programs include FHA, VA, and several HARP programs under the new Administration. Although not right for everyone, these government programs can offer valuable mortgage tools for qualified borrowers. Through years of experience and strong relationships with several of the country’s largest government lenders, we provide our clients with available mortgage products at very competitive rates. It is important that the consumer be educated on the process, terms, and qualifications of their mortgage products and even more important that their loan officer be experienced enough to teach them.

FHA Mortgage

203k Loans

Veteran’s Administration Mortgage

Reverse Mortgage

Streamline FHA refinances

HARP (Home Affordable Refinance Program)

Freddie Mac Relief Refinance Mortgage

Condos and co-ops, mixed use properties and multifamily homes

Not everybody lives in a single family house and some properties require extra work in order to get a mortgage. With the properties below, the loan process takes much longer because of the extra due diligence and approvals. These properties allow conventional loan products but require a special touch.



Multi-Family Home Mortgages

Small commercial properties

Mortgages to grow on

Construction, rehab, and other loans are really hard to come by now. Many builders have resorted to private money or high interest rates. There are, however, viable creditworthy lenders out there that still do construction loans at competitive rates.

Construction Loans

Vacant Land Loans

Purchase-Rehab Loan

Home Improvement Loan

Line of Credit

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