1. Conventional Loans - V.I.P. Mortgage, Inc. offers conventional loans, which are traditional mortgage loans that conform to the guidelines set by Fannie Mae and Freddie Mac. These loans typically require a down payment of at least 3% and have competitive interest rates.

2. FHA Loans - The company provides FHA loans, backed by the Federal Housing Administration. These loans are designed to help borrowers with less-than-perfect credit or limited down payment funds. They often have more flexible qualification requirements.

3. VA Loans - V.I.P. Mortgage, Inc. offers VA loans, specifically for veterans, active-duty service members, and eligible surviving spouses. These loans are backed by the Department of Veterans Affairs and provide benefits such as no down payment and competitive interest rates.

4. USDA Loans - The company provides USDA loans, insured by the US Department of Agriculture, to help borrowers in rural areas achieve homeownership. These loans offer low to no down payment options and affordable interest rates.

5. Jumbo Loans - V.I.P. Mortgage, Inc. offers jumbo loans to borrowers who need financing beyond conventional loan limits. These loans are particularly suitable for purchasing high-value properties and often require a larger down payment and strong creditworthiness.

6. Renovation Loans - The company offers renovation loans that allow borrowers to finance both the purchase price of a home and the cost of renovations or repairs. This option can be beneficial for those looking to transform a fixer-upper into their dream home.

7. Reverse Mortgages - V.I.P. Mortgage, Inc. provides reverse mortgages, allowing homeowners aged 62 and older to convert part of their home equity into tax-free funds. This loan option can be used to supplement retirement income or cover unexpected expenses.

8. Adjustable-Rate Mortgages (ARMs) - The company offers adjustable-rate mortgages, where the interest rate is fixed for an initial period and then adjusts periodically based on market conditions. ARMs often provide lower initial rates, making them suitable for certain borrowers.

9. Fixed-Rate Mortgages - V.I.P. Mortgage, Inc. offers fixed-rate mortgages, providing borrowers with a consistent interest rate and monthly payment throughout the loan term. These loans offer stability and predictability, making budgeting easier.

10. Home Equity Loans and Lines of Credit - The company provides home equity loans and lines of credit that allow homeowners to tap into the equity they've built in their property. These options are beneficial for financing major expenses like home improvements or consolidating debt.

11. First-Time Homebuyer Programs - V.I.P. Mortgage, Inc. offers first-time homebuyer programs tailored to assist individuals purchasing their first home. These programs may include down payment assistance, flexible qualification requirements, and educational resources.

12. Investment Property Loans - The company provides loan options for investors interested in purchasing residential or commercial investment properties. These loans typically have different requirements and terms than loans for primary residences.

Please note that this information is based on the provided content. Actual loan program details and eligibility criteria may vary. It is recommended to contact V.I.P. Mortgage, Inc. directly or visit their website for the most up-to-date and accurate information.