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Home Purchase
Buying a home is a major investment,
requiring planning, budgeting, and research to secure the perfect property for long-term stability
.
Home Refinance
Home refinancing replaces an existing mortgage with a new loan, often to lower interest rates, reduce payments, or access home equity.
Home Equity
Home equity is the property's market value minus any outstanding mortgage balance, allowing homeowners to borrow against their ownership stake.
Reverse
A reverse mortgage allows homeowners, typically seniors, to convert home equity into cash without monthly payments, repaid when they move or sell.
Start with our Mortgage Approval Tool!
Start with our Mortgage Approval Tool!
Largest Mortgage Network in Florida, Georgia & Texas
Mortgage Loan Types for All Income & Credits
Traditional Mortgage Loans
RateShop Mortgage
– FHA LOAN
Whether you're a first-time homebuyer
or looking to refinance, an FHA loan
offers a pathway to homeownership. Explore the possibilities and start your journey today.
RateShop Mortgage –
CONVENTIONAL Loan
With flexible down payment options and customizable terms, a conventional loan can be tailored to meet your needs. Discover its advantages and move closer to your
dream home.
RateShop Mortgage
– VA LOAN
Secure your dream home with a
VA loan and enjoy its unique
financial advantages.
RateShop Mortgage
– USDA Loan
Discover how this government
-backed USDA loan can help
you achieve homeownership
in eligible rural areas.
RateShop Mortgage
– FHA LOAN
Whether you're a first-time homebuyer
or looking to refinance, an FHA loan
offers a pathway to homeownership. Explore the possibilities and start your journey today.
RateShop Mortgage –
CONVENTIONAL Loan
With flexible down payment options and customizable terms, a conventional loan can be tailored to meet your needs. Discover its advantages and move closer to your dream home.
RateShop Mortgage
– VA LOAN
Secure your dream home with a
VA loan and enjoy its unique
financial advantages.
RateShop Mortgage
– USDA Loan
Discover how this government
-backed USDA loan can help
you achieve homeownership
in eligible rural areas.
Mortgage Loan Types for All Income & Credit
Traditional Mortgage Loans
FHA
Whether you're a first time home buyer or looking to refinance, an FHA loan provides a pathway to homeownership. Explore the possibilities and take the first step towards owning your own home.
VA
Take advantage of this unique opportunity to secure your dream home and enjoy the financial advantages that come with a VA loan.
CONVENTIONAL
With various down payment options and loan terms available, you can tailor your mortgage to fit your specific needs. Explore the advantages of a conventional loan and take the first step towards owning your dream home.
USDA
Discover the possibilities and take advantage of this government-backed loan program to achieve your dream homeownership in eligible rural areas.
Non-QM Loans
DSCR Loans
With a focus on the property's ability to generate sufficient income to cover debt payments, DSCR loans offer flexibility and competitive terms. Explore this specialized loan option and secure the financing you need for your commercial property investment.
Bank Statement Loans
With Flexible qualification criteria and competitive rates, Bank Statement Loans provide an alternative solution for borrowers who may not meet conventional lending requirements.
P & L Loans
Whether you need funds for expansion, equipment purchase, or working capital, explore the benefits of P&L loan to fuel the growth of your business
1099 Loans
With flexible qualification criteria and tailored terms 1099 loan provide an opportunity for those with non-traditional income sources to secure the financing they need.
Asset Utilization
Explore the benefits of Asset Utilization and discover how it can help your business achieve optimal performance and success
No Income Loan
Whether you're self-employed, have irregular income, or rely on non-traditional sources, a No Income loan provides flexibility and access to funds.
Foreign National
With flexible qualification criteria and specialized terms, Foreign National Loans cater to the unique needs and circumstances of international buyers.
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Mortgage Learning Center
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Non-QM Loans
Flexible Mortgage Solutions for Unique Financial Situations
DSCR Loans (Non-QM)
With a focus on the property's ability to generate sufficient income to cover debt payments, DSCR loans offer flexibility and competitive terms. Explore this specialized loan option and secure the financing you need for your commercial property investment.
P & L Loans (Non-QM)
Whether you need funds for expansion, equipment purchases, or working capital, discover how a Profit and Loss (P&L)
loan can fuel your business growth.
Bank Statement Loans (Non-QM)
With flexible qualification criteria and competitive
rates, Bank Statement Loans offer an alternative
solution for borrowers who may not qualify for conventional loans.
1099 Loans (Non-QM)
With flexible qualification criteria and tailored terms, a 1099 loan offers an opportunity for individuals with non-traditional income sources to secure the financing they need.
Asset Utilization Loans (Non-QM)
Explore the benefits of Asset Utilization Loans and learn how they can help your business achieve optimal performance and success.
Foreign National Loans (Non-QM)
With flexible qualification criteria and specialized terms, Foreign National Loans are designed to meet the unique needs of international buyers.
No Income Loan (Non-QM)
For those who are self-employed, have irregular income, or rely on non-traditional sources, a No Income Loan offers flexible financing without the need for traditional income verification—providing easy access to the funds you need.
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USA's Top Independent Mortgage Brokerage
We care about your personalized Mortgage Loan Needs
Unbiased to help Choose your Mortgage
Loan
More Lenders means More Mortgage Loan Options
Dedicated Team of Expert Mortgage Loan Officers
Get the Maximum Loan to Value on Your Mortgage Offers
Easy & Convenient Process Application to Funding
See Why Client's Choose
USA's Top Independent Mortgage Brokerage
We care about your personalized Mortgage Loan Needs
Unbiased to help Choose your Mortgage Loan
More Lenders means More Mortgage Loan Options
Dedicated Team of Expert Mortgage Loan Officers
Get the Maximum Loan to Value on Your Mortgage Offers
Easy & Convenient Process Application to Funding
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RateShop Mortgage LLC is a licensed mortgage broker in FL and TX.
In accordance with federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract), nor do we discriminate because any part of your income is derived from public assistance programs, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580, is the federal agency responsible for administering these laws.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705
TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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