Home Purchase Loan Programs
Every buyer’s situation is unique. Kyle & Team evaluate your goals, income, and credit — then recommend the best program with zero pressure.
VA Home Loans
Exclusive benefits for veterans, active duty, and eligible surviving spouses. The best mortgage program available - period.
- $0 down payment required
- Consistently lowest average interest rates
- Loan limit up to $832,750 (2026)
- Fast 21-30 day closing
- No monthly mortgage insurance (PMI)
- Flexible credit requirements (580–620+)
- Seller can pay closing costs
FHA Loans
Government-backed with flexible qualification standards. Great for first-time buyers or those rebuilding credit.
- Only 3.5% down payment required
- Higher debt-to-income ratios allowed
- Competitive government-backed rates
- Fast 21-30 day closing
- Credit scores accepted as low as 580
- Gift funds accepted for down payment
- FHA Streamline refinance option later
Conventional Loans
The standard mortgage for buyers with good credit and stable income. Flexible terms and no upfront mortgage insurance with 20% down.
- As low as 3% down payment
- 620+ credit score (680+ for best rates)
- 15, 20, or 30-year fixed terms
- Fast 21-30 day closing
- No PMI with 20% down
- Primary, second home, or investment
- Jumbo loan option available
First-Time Homebuyer
Special programs and assistance for those buying their first home. Designed to lower the barriers to ownership.
- Down payment assistance programs
- Lower credit score pathways
- Educational resources and guidance
- Fast 21-30 day closing
- Closing cost assistance available
- State and local grant programs
- Combinable with FHA, VA, or Conventional
DSCR / Investor Loans
Qualify on the property’s rental income — not your personal income or tax returns. Perfect for growing a rental portfolio.
- No W-2s or tax returns required
- Close in an LLC for asset protection
- 660+ credit score required
- Fast 21-30 day closing
- Qualify on rental income alone
- No limit on properties owned
- 20–25% down payment
Self-Employed Loans
Qualify on average deposits into a business or personal bank statement. Perfect for self-employed borrowers with heavy tax write-offs.
- No W-2s or tax returns required
- Average 12 or 24 monthly deposits calculated
- 660+ credit score required
- Fast 21-30 day closing
- Qualify on bank statement deposits
- Uses a maximum 50% business expense
- 20–25% down payment
Refinance Programs
Lower your monthly payment, access home equity, or eliminate mortgage insurance. We help you find the strategic move that fits your goals.
- Lower your interest rate & payment
- Remove PMI/MIP with 20% equity
- VA IRRRL & FHA Streamline options
- Fast 14-30 day closing
- Cash-out for renovations or debt
- Switch from ARM to Fixed rate
- No-cost break-even analysis
Not Sure Which Loan Is Right for You?
That’s exactly why we’re here. Kyle & Team evaluate your income, credit, and goals — then recommend the best fit across multiple lenders. No pressure, just honest guidance.
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com