These questions will help us better understand your needs and financial goals. Once completed, the Haven Home Lending team will reach out to discuss your options and help you find the loan that’s right for you.
A 30-year fixed-rate mortgage offers predictable monthly principal and interest payments and long-term stability, making it one of the most common home financing options. Your interest rate remains the same throughout the life of the loan, making it easier to budget and plan ahead. With generally lower monthly principal and interest payments than shorter-term mortgages, it can provide greater flexibility while helping you achieve your homeownership goals.
Lower monthly payments
Predictable payments
Long-term rate stability
A 15-year fixed-rate mortgage can help you build equity faster and reduce the total interest paid over the life of your loan. Your interest rate remains fixed, giving you predictable monthly principal and interest payments from start to finish. While monthly payments are typically higher than with a 30-year mortgage, the shorter term can help you pay off your home sooner and potentially save significantly on interest.
Build equity faster
Lower interest rates
Save on total interest costs
An adjustable-rate mortgage (ARM) typically offers a lower initial interest rate than many fixed-rate options, which may mean lower monthly payments during the initial fixed-rate period. It can be a flexible option for buyers who plan to move, sell, or refinance before the adjustable period begins.
After the initial fixed-rate period, the interest rate can change periodically based on the terms of the loan and market conditions. Our team will walk you through how the loan works and help you determine whether an ARM aligns with your financial goals and homeownership plans.
Lower initial interest rate
Lower initial monthly payments
More purchasing flexibility
An FHA loan is a government-insured mortgage designed to make homeownership more accessible. Backed by the Federal Housing Administration, FHA loans offer lower down payment requirements and more flexible qualification guidelines than some conventional loan options.
These features can make FHA financing a strong option for first-time homebuyers and borrowers who may have limited savings or lower credit scores. Our team can help you understand the requirements and determine whether an FHA loan fits your homeownership goals.
Low down payment options
Flexible credit requirements
Accessible qualification guidelines
VA loans are designed to help eligible veterans, active-duty service members, and qualified surviving spouses achieve homeownership. Backed by the U.S. Department of Veterans Affairs, these loans offer valuable benefits that may include no down payment, no monthly private mortgage insurance (PMI), and competitive interest rates.
Our team is here to simplify the VA loan process, answer your questions, and help you understand and make the most of the home financing benefits available to you.
No down payment for eligible borrowers
No monthly PMI
Competitive interest rates
Jumbo loans are designed for home purchases that exceed conventional conforming loan limits. They provide financing options for higher-priced and luxury properties, giving qualified borrowers greater flexibility when a traditional mortgage may not provide enough financing.
Whether you’re purchasing a luxury home, upgrading to a larger property, or buying in a high-cost market, our team will help you navigate the jumbo loan process and find a financing solution tailored to your needs.
High-value financing
Higher borrowing limits
Flexible loan options
An FHA 203(k) loan allows you to purchase or refinance a home while financing eligible renovations through one mortgage. Whether you’re updating an older property, making necessary repairs, or transforming a fixer-upper, this loan can help bring your vision to life.
By combining the home financing and renovation costs into one loan, a 203(k) can simplify the process while helping you improve your home’s functionality and value.
Combine purchase & renovation costs
Finance eligible home improvements
Enhance your home’s value
Financing designed for medical professionals. Your career path is unique, and your mortgage should be too. Our Doctor Loan Program is designed to help medical professionals achieve homeownership with flexible financing solutions that recognize future earning potential and accommodate the demands of medical training and practice.
Program Highlights:
Eligible Professionals Include:
Whether you’re completing residency, starting your practice, or advancing your career, we’re here to help you find the right solution.
Flexible financing for independent professionals. Our 1099 Loan Program is designed for self-employed professionals, independent contractors, freelancers, consultants, and business owners who may not qualify through traditional income documentation. With as little as two months of 1099 income, you may qualify for financing without an extensive tax return history.
Program Highlights:
This program is designed for low-to moderate income buyers in California, this program helps make homeownership possible with assistance for your down payment and closing costs. Through this program, the California Housing Finance Agency offers borrowers up to 3% down payment assistance on conventional, VA loans, and up to 3.5% on FHA loans as a second lien. To qualify, borrowers must be first-time homebuyers, meet applicable income requirements, and complete an approved homebuyer education course.
A Bank Statement Loan is a mortgage product designed to serve self-employed borrowers. Instead of providing traditional income documentation like tax returns or W-2s, qualified borrowers can use their personal or business bank statements to demonstrate income and qualify for a loan.
Program highlights:
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Qualification is based on the property's projected rental income rather than the borrower's personal income, making it easier to finance investment properties.
Program highlights:
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