Loan Programs

By simplifying the process, hiring only the finest employees, and developing progressive tech, we can bring both low rates and the highest level of service to every single client. 

​We offer a wide range of loan types, including First Time Home Buyers Programs, Government Loans, Veteran Loans, Conventional Loans, Jumbo Loans, and more. Take a look at some of our products and unique programs. And when you’re ready to buy or refinance, we’ll find a loan that fits your situation perfectly.

First Time Home Buyers Program

Buying your first home can be exciting as well as overwhelming all at the same time, which is exactly why Northpoint will be there to guide you the whole way. There are a growing number of loan programs tailored to First Time Home Buyers and we are here to help you find the right one for your needs.

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FHA Loans

These loans are insured by the Federal Housing Administration (FHA) and provide solutions for borrowers down payments as low as 3.5%. This option is also more lenient than a Conventional loan if you have had a bankruptcy or financial issues in the past. It is also one of the best options for a low downpayment multi-family purchase or refinance.

Veterans Loans

Qualified veterans, service members and their spouses can finance up to 100% of their home and pay less at closing. Or ask us about refinancing with a VA loan. It is an overall amazing product with zero down payment required.

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Conventional Loans

These are the most common loans and are backed by Fannie Mae or Freddie Mac.  The mortgage rates with these products are very competitive and down payment requirements can be as low as 3%. At Northpoint we offer conventional loans from 10 to 30 year fixed rates as well as adjustable rate mortgages, to ensure we have a variety of options for you.

USDA/Rural Loans

This unique program is available to give families and individuals the opportunity to own affordable homes in more rural areas. Allowing for a zero down payment and increased flexibility on credit requirements. Income limits and location requirements apply.

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Jumbo Loans

These are mortgages that have a loan amount which is higher than the loan limits that have been set by Fannie Mae & Freddie Mac, as such these are considered a “non-conforming” loan size. Talk to us about our variety of unique plans to custom fit your needs.

Refinancing

A refinance could potentially lower your monthly mortgage payment, payoff your mortgage faster or get cash out for when you need it.

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