Home Loan Programs

Obsidian Financial
Home Loan Programs

When it comes to home loan progams, we believe great rates alone aren’t enough. That’s why we prioritize providing exceptional service to stand out in the industry. With our substantial buying power, we secure access to the best mortgage rates and programs available. By combining innovative mortgage programs with competitive rates, we offer tailored financing options to suit your needs.

In today’s volatile real estate and mortgage markets, we understand the importance of providing steadfast support. Count on us to find you the best home loan rates and deliver exceptional customer service every step of the way.

Our Mission

our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience when purchasing or refinancing your biggest investment.

Our Advantage

As a fully staffed lender, we have the discretion to underwrite all of our loans, and the borrower sees the positive aspects of the transaction from start to finish.

Our Process

With over 25 years’ experience, we can perform all functions and close your loan within 10 days.

Conventional Loans

Conventional Loans

Conventional Loans are for borrowers that have credit scores above 620, stable income, low debts and some down payment. This type of loan is the most common and the least complicated way to get the most flexible mortgage options.

  • Fixed and adjustable rates available
  • Loan terms of 10, 15, 20 and 30, flexible terms available
  • Loan Amounts up to $484,350
  • For primary, secondary, and investment properties
  • Down payments as low as 3% for those that qualify
  • Available for Purchase and Refinance Transactions

Federal Housing Administration (FHA)

FHA is a branch of the U.S. Department of Housing and Urban Development (HUD) insures this type of mortgage. FHA Loans are more forgiving for those with blemished credit and higher debt ratios. FHA Loans are great for first time home buyers because of their flexibility, although anyone can apply.

  • For Primary Residence and Secondary residences only
  • A 3.5% payment is required, which can be gifted
  • A Seller can contribute up to 6% towards the buyers closing costs.
  • Requires Mortgage Insurance Premium (MIP) for the life of the loan.
  • Available for Purchase and Refinance Transactions
The Federal Housing Administration (FHA)

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The Department of Veterans Affairs (VA)

The Department of Veterans Affairs (VA) offers financing for Veterans. The VA determines eligibility and will issue a certificate of eligibility to qualifying applicants.

  • Must be a Veteran, Active Duty Military, or member of the Reserves.
  • 100% Financing
  • Buyers can borrower an additional $35,000 for home repairs
  • No Monthly Mortgage Insurance
  • Closing Costs can be gifted by immediate family
  • Available for Purchase and Refinance Transactions

The US Department of Agriculture (USDA)

The US Department of Agriculture (USDA) offers mortgage loans in eligible areas that are considered rural. USDA will only allow a borrower to have one financed property at a time. There are some income restrictions for USDA loans. This type of loan is great for first time home buyers.

  • Primary residences only
  • New manufactured homes are allowable
  • 100% Financing Available
  • Can borrower an additional 10% of the purchase price for home repairs for distressed properties
  • 30 year fixed rate terms
  • House must be in a Rural Development-eligible areas.
USDA Loan Programs

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Jumbo Loans

Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $484,350. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.

  • Financing above Conforming Loan Limits of $484,350.
  • Convenience of One Loan versus having Multiple Mortgages
  • Purchase options available with a 10% down payment with NO Private Mortgage Insurance (PMI)
  • Fixed and Adjustable Rate Mortgage Options

A Reverse Mortgage

A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments. These loans are backed by the Federal Housing Administration

  • Primary Home
  • For those 62 and older
  • No Monthly Mortgage Payments
  • Receive Money Monthly
A Reverse Mortgage
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