Conventional loans are a popular choice for borrowers with strong credit histories and the ability to make a down payment. These loans are not government-insured, which allows for more flexibility in terms and conditions. With competitive rates and versatile options, our conventional loan programs are ideal for many homebuyers and refinancers.

Key Benefits:

Flexible down payment options (as low as 3% for first-time buyers)

Fixed and adjustable-rate options

No private mortgage insurance (PMI) required with 20% down payment

Federal Housing Administration (FHA) loans are designed for those who may need a more accessible pathway to homeownership, including first-time homebuyers and individuals with lower credit scores or limited savings for a down payment. These government-backed loans make homeownership achievable for many.

Key Benefits:

Lower down payment requirements (as low as 3.5%)

Flexible credit requirements

Ideal for first-time homebuyers

We are honored to assist veterans, active-duty service members, and eligible family members with our VA loan programs. The U.S. Department of Veterans Affairs backs these loans, offering excellent benefits to those who have served.

Key Benefits:

No down payment required

No private mortgage insurance (PMI) needed

Competitive interest rates

Flexible credit and income requirements

For those interested in purchasing a home in a rural or suburban area, USDA loans provide an affordable path to homeownership. Backed by the U.S. Department of Agriculture, these loans offer special incentives and are designed to help low- and moderate-income buyers.

Key Benefits:

100% financing available (no down payment required)

Lower mortgage insurance costs

Competitive interest rates

Jumbo loans are available for borrowers looking to finance high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are popular in competitive real estate markets, where home prices may exceed traditional limits.

Key Benefits:

Higher loan amounts for luxury and high-value homes

Flexible terms with both fixed and adjustable-rate options

Tailored solutions for borrowers with strong credit

Refinancing can help you lower monthly payments, access equity, or switch to a loan program that better suits your financial needs. Success Mortgage Partners offers a variety of refinancing options, including rate-and-term, cash-out, and streamline refinancing, designed to meet your goals.

Key Benefits:

Lower interest rates

Access to home equity for other financial needs

Flexibility to change loan terms

Navigating a mortgage during a divorce requires specialized guidance to ensure financial stability and clarity for both parties. At Success Mortgage Partners, we offer expert support to help you explore mortgage options tailored to your unique circumstances. Whether you’re looking to refinance the home to retain ownership, buy out a spouse's share, or purchase a new property, we provide solutions that make transitioning easier. Our team understands the complexities of dividing assets, and we’re committed to finding the best path forward, reducing stress, and helping you make informed decisions during this time.

Success Mortgage Partners also offers financing options for those looking to purchase and renovate or build a custom home. With our renovation and construction loans, you can transform a property into your dream home or build one from the ground up.

Key Benefits:

Funds for purchasing and renovating included in a single loan

Customizable options for new construction

Suitable for fixer-upper properties or custom home building.

Investment Property Loans

Investing in real estate is a powerful way to build wealth, and our investment property loans offer financing solutions that help make property investment more accessible. We provide options tailored to meet the needs of investors, whether for single-family homes, multi-family properties, or vacation rentals.

Key Benefits:

Flexible loan terms

Options for both new investors and seasoned professionals

Financing for various property types

Travel Nurse Mortgages: Tailored Solutions for Healthcare Professionals on the Move

Success Mortgage Partners is proud to support travel nurses and other healthcare professionals in achieving homeownership, even with the unique financial challenges their careers can present. We understand that travel nurses often face fluctuating income, varied employment locations, and contract-based work—all factors that can make traditional mortgage approvals difficult. Our experience in working with travel nurses enables us to close these deals smoothly, helping healthcare heroes find a place to call home.

How We Make It Work:

Flexible Income Consideration: We work closely with lenders to include your total income, even if it comes from multiple sources or fluctuates month-to-month. This includes factoring in your hourly wage, overtime, per diem, and other unique components of travel nurse compensation.

Quick, Seamless Process: We know that as a travel nurse, your time is valuable. Our team streamlines the mortgage process with efficient online tools, digital applications, and proactive communication. We handle the paperwork, allowing you to focus on your essential work.

Track Record of Success: Success Mortgage Partners has closed numerous travel nurse mortgages by using our industry expertise and creative solutions. With our proven approach, we’ve helped many travel nurses secure homes, even in competitive markets, and navigate any challenges that arise.

A Debt Service Coverage Ratio (DSCR) loan is a type of mortgage primarily designed for real estate investors who rely on the cash flow from the rental property to qualify, rather than traditional income verification methods like W-2s or tax returns. Instead of the borrower’s personal income, lenders evaluate the property’s income to determine eligibility, specifically focusing on the DSCR.

The Debt Service Coverage Ratio is calculated by dividing the property’s net operating income (NOI) by its debt obligations.

Key Benefits of DSCR Loans

No Personal Income Verification: DSCR loans don’t require traditional income documentation, making them accessible for investors with complex financial profiles or those who wish to keep personal finances separate from investment properties.

Flexible Financing: These loans often allow for higher loan amounts, suitable for multi-unit or commercial investment properties.

Streamlined Process: With a focus on the property’s cash flow, DSCR loans can speed up approval and reduce documentation requirements.

Ideal Candidates for DSCR Loans

DSCR loans are often a good fit for real estate investors with a steady rental income from properties, high net worth individuals seeking low-documentation loans, and self-employed borrowers who want an alternative to traditional income-based loan requirements.