- Conventional Loans: Envoy Mortgage offers conventional loan programs for homebuyers with good credit and stable income. These loans typically require a down payment of at least 3%.

- FHA Loans: Envoy Mortgage provides Federal Housing Administration (FHA) loan programs, which are backed by the government and designed to help first-time homebuyers or those with lower credit scores qualify for a mortgage.

- VA Loans: Envoy Mortgage offers VA loan programs for active-duty service members, veterans, and eligible surviving spouses. These loans provide favorable terms and benefits, such as no down payment and competitive interest rates.

- USDA Loans: Envoy Mortgage provides USDA loan programs backed by the United States Department of Agriculture. These loans offer financing options for rural properties and may require no down payment.

- Jumbo Loans: Envoy Mortgage offers jumbo loan programs for borrowers looking to finance properties exceeding the conventional loan limits. These loans typically have higher credit score and down payment requirements.

- Renovation Loans: Envoy Mortgage provides renovation loan programs, such as the FHA 203(k) loan, which allows borrowers to finance both the purchase or refinance of a home and the cost of repairs or renovations in one loan.

- Adjustable-Rate Mortgages (ARM): Envoy Mortgage offers adjustable-rate mortgage programs, where the interest rate can change periodically after an initial fixed-rate period. This option may be suitable for borrowers who plan to sell or refinance in the near future.

- Fixed-Rate Mortgages: Envoy Mortgage offers fixed-rate mortgage programs, where the interest rate remains constant throughout the loan term. This option provides stability and predictable monthly payments.

- Home Equity Loans: Envoy Mortgage provides home equity loan programs that allow homeowners to borrow against the equity they have built in their property. These loans can be used for various purposes, such as home improvements or debt consolidation.

- Reverse Mortgages: Envoy Mortgage offers reverse mortgage programs for homeowners aged 62 and older. These loans allow seniors to convert part of their home equity into cash while remaining in their homes.

- Bridge Loans: Envoy Mortgage provides bridge loan programs that help homeowners finance the purchase of a new home while they wait for their current home to sell. These loans bridge the gap between the sale of one property and the purchase of another.

Note: This information is based on the provided content and may not reflect the complete range of loan programs offered by Envoy Mortgage Ltd. Please visit their official website or contact them directly for more detailed information.