These questions will help us get to know you much better. Once you’ve answered them, the Haven Home Lending team will contact you to find the perfect loan for you.
A 30-year fixed-rate mortgage is the most popular home loan option because it offers predictable monthly payments and long-term peace of mind. Your interest rate remains fixed for the life of the loan, making it easier to budget and plan for the future. With lower monthly payments compared to shorter-term loans, a 30-year fixed mortgage provides flexibility while helping you achieve your homeownership goals
Lower monthly payments
Predictable monthly payments
Long-term financial stability
A 15-year fixed-rate mortgage provides consistent monthly payments and can help you save significantly on interest over the life of the loan. Because the loan is paid off in just 15 years, you’ll build equity faster and own your home sooner. While monthly payments are typically higher than those of a 30-year mortgage, many homeowners find the long-term savings well worth the investment
Build equity faster
Lower interest rates
Save on total interest costs
An Adjustable-Rate Mortgage (ARM) offers a lower initial interest rate than many fixed-rate loan options, which can result in lower monthly payments during the introductory period. This type of loan may be a good fit if you plan to move, sell, or refinance within a few years, anticipate your income increasing in the future, or want to maximize your purchasing power today.
After the initial fixed-rate period ends, the interest rate may adjust periodically based on market conditions. Our team will help you understand how an ARM works and determine whether it aligns with your financial goals and homeownership plans.
Lower initial interest rate
Lower initial monthly payments
Great for short-term homeowners
An FHA loan is a government-insured mortgage designed to help make homeownership more accessible. Backed by the Federal Housing Administration (FHA), these loans offer flexible qualification guidelines and lower down payment requirements, making them a popular option for first-time homebuyers and those with limited savings or less-than-perfect credit.
Because the loan is insured by the FHA, approved lenders can offer financing solutions that help more borrowers achieve their dream of homeownership.
Low down payment
Flexible credit guidelines
Ideal for first-time buyers
A VA loan is a mortgage program designed to help eligible veterans, active-duty service members, and qualified surviving spouses achieve homeownership. Backed by the U.S. Department of Veterans Affairs (VA), these loans offer valuable benefits, including flexible qualification requirements, competitive interest rates, and, in many cases, no down payment.
VA loans are our way of honoring those who have served by making homeownership more affordable and accessible. Our team is here to guide you through the process and help you make the most of the benefits you’ve earned.
No down payment for eligible Veterans
No monthly PMI
Competitive interest rates
A jumbo loan is designed for home purchases that exceed conventional loan limits. These loans provide financing solutions for luxury homes and higher-priced properties while offering a variety of flexible options for qualified borrowers.
Whether you’re purchasing your dream home, upgrading to a larger property, or buying in a high-cost market, our team can help you navigate the jumbo loan process and find the financing solution that best fits your needs
Finance high-value homes
Higher loan limits
Flexible financing solutions
An FHA 203K loan allows you to purchase or refinance a home and finance eligible renovations with a single mortgage. Whether you’re updating an older property, making necessary repairs, or transforming a fixer-upper into your dream home, this program can help turn your vision into reality.
Instead of taking out separate loans for the home and the renovations, an FHA 203K loan combines both into one convenient financing solution, making it easier to improve a property’s value, functionality, and appeal.
One loan for purchase and renovations
Finance home improvements
Increase 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.
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 be able to qualify for financing without the need for 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 certain income limits and complete a 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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