Your path to homeownership might be more attainable than you think.
At SWBC Mortgage, we believe that everyone deserves the opportunity to own a home that fits their lifestyle and financial goals. Whether you're buying your first home, upgrading for a growing family, or simply ready to put down roots, there’s good news: there’s no one-size-fits-all when it comes to home loans.
In fact, there are a wide variety of loan options designed to meet you where you are in your journey.
A Loan for Every Lifestyle
Every homebuyer’s situation is unique, and so are the loan programs available. Here’s a quick snapshot of some of the flexible options we offer:
FHA Loans – A good option for first-time homebuyers or those with lower credit scores. These government-backed loans have lower down payment requirements and flexible qualification guidelines.
VA Loans – Available to eligible Veterans, active-duty service members, and certain military spouses. These loans often require no down payment and no private mortgage insurance (PMI).
USDA Loans – Designed to help borrowers in eligible rural and suburban areas. These loans also offer 100% financing and flexible qualifying criteria.
Conventional Loans – A great fit for borrowers with strong credit and stable income. They can offer competitive rates and flexible terms.
Renovation Loans – Buying a fixer-upper? A renovation loan can help you finance both the purchase of a home and the improvements it needs.
Jumbo Loans – For homebuyers looking at higher-priced properties that exceed conforming loan limits, jumbo loans provide a path forward.
Down Payment Assistance Programs – These programs can help qualified buyers cover upfront costs, making homeownership more affordable than ever.
Why Working with a Local Loan Officer Matters
Understanding your loan options is just the beginning. One of the most powerful steps you can take is partnering with a knowledgeable, local loan officer who can walk you through the process. Read more about the mortgage process here.
Local loan officers know the ins and outs of your community’s market and can match you with loan programs you may not even know exist—including local and regional assistance programs. They take the time to understand your goals, answer your questions, and help you feel confident every step of the way.
You’ve Got This—and We’ve Got You
Homeownership is a big milestone, but it doesn’t have to feel overwhelming. With flexible loan options and a trusted loan officer by your side, you’ll be empowered to make informed decisions that move you closer to home.
Ready to explore your options? Connect with an SWBC Mortgage loan officer today and take the first step toward making your homeownership dreams a reality.