UMortgage offers a range of loan programs to meet your unique financing needs:

1. Conventional Loans: Offered with fixed or adjustable interest rates, these loans are a popular choice for homebuyers with good credit and stable income.

2. FHA Loans: Backed by the Federal Housing Administration, these loans require a lower down payment and have more flexible qualification criteria, making them suitable for first-time homebuyers.

3. VA Loans: Available exclusively to eligible veterans, active-duty service members, and surviving spouses, VA loans offer competitive interest rates and require no down payment.

4. USDA Loans: Designed for borrowers in rural areas, USDA loans provide low-interest financing with no down payment required and flexible credit requirements.

5. Jumbo Loans: Ideal for purchasing high-value homes, jumbo loans exceed the conventional loan limits set by government-sponsored enterprises like Fannie Mae and Freddie Mac.

6. Adjustable-Rate Mortgages (ARMs): With initial fixed-rate periods followed by adjustable rates, ARMs offer lower interest rates during the initial phase, making them suitable for short-term homeownership plans.

7. Reverse Mortgages: These loans allow homeowners aged 62 or older to convert a portion of their home equity into tax-free funds, providing financial flexibility during retirement.

Please note that specific terms, eligibility criteria, and interest rates may vary depending on factors like creditworthiness and location. We recommend contacting UMortgage for personalized loan program information.