Residential Real Estate Mortgage-Financing

Securing the right residential mortgage-financing is essential when purchasing a home.

 

At Rebelo Mortgages International, we offer a wide range of residential mortgage-financing products to help you navigate the process with confidence and ease.

 

Whether you are a first-time homebuyer, a seasoned homeowner seeking to refinance, or an investor looking to expand your portfolio, our expert team is here to guide you every step-of-the-way.

 

Explore the various mortgage-financing products, and programs available to you below:

Conventional

A conventional mortgage is a home loan that is not insured, or guaranteed, by the federal government and typically require good credit, stable income, and a down payment, but they offer flexible terms, and competitive interest rates

Home Refinance

Refinancing lets you replace your current mortgage with a new one—potentially lowering your interest rate, reducing your monthly payment, or tapping into home equity for other financial goals.

Fixed /Adjustable-Rate

Choose between the stability of a fixed-rate mortgage, or the initial savings of an adjustable-rate mortgage (ARM), depending on your long-term financial strategy and how long you plan to stay in the home.

Residential Investment

Whether you are building rental income or flipping homes, we offer tailored financing options for investment properties, including bridge loans and hard money solutions for fast, flexible funding.

Construction

A Home Construction Loan is a specialized mortgage designed for building a new home that provides short-term financing during construction, with flexible terms that can convert into a permanent loan once the home is completed.

High-Balance/Jumbo

For buyers needing to finance high-value homes, high-balance/jumbo loans offer higher borrowing limits beyond conventional loan caps—ideal for luxury properties or real estate in competitive markets.

HEL-o-C

A Home Equity Line-of Credit (HEL-o-C) is a revolving credit line secured by your home that allows you to borrow against your available equity as needed, providing flexible funds for expenses, such as debt consolidation, while paying interest only on the amount used.

Reverse Equity

Reverse Equity, known as a Reverse Mortgage, is a financing option that allows homeowners, typically 62, and older, to convert part of their home’s equity into tax-free cash without monthly mortgage payments, with repayment due when the home is sold, or no longer occupied.

Bank Statement

A Bank Statement Loan is a mortgage program designed for self-employed borrowers that allows income to be verified using 12–24 months of personal, or business, bank statements, instead of traditional tax returns.

FHA

An FHA Loan is a government-backed mortgage designed for a wide range of borrowers that offers low down payment options, flexible credit requirements, and allows for higher debt-to-income ratios compared to conventional loans.

VA - Veteran

A VA Loan is a government-backed mortgage for eligible veterans, active-duty service members, and certain spouses that offers home financing with little to no down payment, no private mortgage insurance, and flexible credit guidelines.

USDA - Rural

A USDA Loan is a government-backed mortgage designed for eligible rural, and suburban, homebuyers that offers no down payment, competitive interest rates, and flexible credit guidelines for qualified borrowers.

Tailored-Specific

A Tailored Loan is a customized mortgage designed to meet a borrower’s unique financial needs, such as flexible refinancing with the option to refinance, WITHOUT resetting the loan clock to a new 30- or 15-year Term, or Temporary Rate Buy-Downs to keep initial monthly costs lower.

Unique Incentives

A Unique Incentive Loan is a mortgage designed to reward borrowers with tangible savings, featuring $500 refinance closing cost rebates, and periodic appraisal credits on purchases, providing extra financial incentives to make buying, or refinancing, more affordable and promising.

State-Specific

The Florida Hometown Heroes Loan is a state-backed mortgage program designed for eligible frontline, and essential workers, that offers below-market rates, substantial down payment and closing cost assistance, to support homeownership.

Our Nationwide Locations

We invite you to explore our comprehensive interactive map to view the full range of locations where our services are currently offered.

 

Our map has been designed to provide you with up-to-date information about our availability, ensuring you can easily determine how, and where, we are prepared to assist you today.

 

Whether you are seeking local support, or planning for future engagement, our map offers a clear overview of our presence, and readiness, to serve your needs.

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