At Bay Capital Mortgage, we offer a range of loan programs to suit your needs:

1. Conventional Loans: These are traditional mortgage loans that conform to guidelines set by Fannie Mae and Freddie Mac.

2. FHA Loans: Backed by the Federal Housing Administration, these loans are designed to help individuals with low down payments and lower credit scores qualify for homeownership.

3. VA Loans: Exclusive to active-duty military personnel, veterans, and their families, VA loans provide a competitive interest rate and flexible terms.

4. USDA Loans: Offered by the United States Department of Agriculture, these loans are available to eligible borrowers in rural areas and offer low-interest rates and no down payment requirement.

5. Jumbo Loans: If you need to borrow more than the conventional loan limits, jumbo loans provide financing for high-value properties.

6. Renovation Loans: Our loan programs include options for home renovations and improvements, allowing you to finance both the purchase and renovation costs in a single loan.

7. Adjustable-Rate Mortgages (ARMs): ARMs offer initial lower interest rates for a fixed period, and then adjust periodically based on market conditions.

8. Home Equity Loans: Available if you have built up equity in your home, these loans allow you to borrow against the value of your property to finance other expenses.

9. Reverse Mortgages: Designed for seniors, reverse mortgages allow homeowners over a certain age to convert a portion of their home equity into cash, without selling their home or making monthly mortgage payments.

10. Investment Property Loans: If you're looking to invest in real estate, our loan programs provide financing options for purchasing residential or commercial investment properties.

Note: Loan program availability may vary based on location and borrower qualifications. Contact our experts for more information.