Loan Programs
At Minted Capital Mortgage, we specialize in helping homebuyers and homeowners find the right financing solution. Whether you’re purchasing a new home, refinancing an existing mortgage, or leveraging home equity, our wide range of loan programs is designed to meet your needs.
Explore our comprehensive loan options below – scroll to browse, or click a loan type to quickly find more information. Each section provides clarity, value, and the confidence to take the next step toward your home financing goals.
Conventional Loans
Perfect for qualified buyers with strong credit and stable income
Conventional loans are the most common type of mortgage, not insured or guaranteed by the government. They typically offer lower overall costs for borrowers who meet the qualification criteria.
Benefits:
- Competitive fixed or adjustable interest rates
- Down payment options as low as 3%
- No upfront mortgage insurance premium
- Private Mortgage Insurance (PMI) can be removed at 20% equity
Common for primary residences, second homes, and investment properties.
FHA Loans
Perfect for first-time homebuyers and borrowers with lower credit scores
FHA loans are insured by the Federal Housing Administration and offer easier qualification standards, making homeownership more accessible.
Benefits:
- Low down payments starting at 3.5%
- Credit score requirements as low as 580
- More flexible debt-to-income ratios
- Streamlined refinancing options
Excellent for those with limited savings or previous credit challenges.
VA Loans
Perfect for active-duty service members, veterans, and eligible surviving spouses
VA loans are backed by the U.S. Department of Veterans Affairs and provide unmatched benefits to service members.
Benefits:
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
For eligible individuals, VA loans offer significant savings and accessibility.
Jumbo Loans
Perfect for buyers purchasing high-value or luxury properties
Jumbo loans are designed for borrowers needing financing above conforming loan limits set by Fannie Mae and Freddie Mac.
Benefits:
- Loan amounts above $766,550 (limits vary by location)
- Competitive rates for qualified borrowers
- Flexible underwriting for complex financial profiles
- Financing for primary homes, second homes, or investment properties
Ideal for high-income buyers in competitive real estate markets.
Home Equity Line of Credit (HELOC)
Perfect for homeowners who want flexible access to funds
A HELOC lets you borrow against your home’s equity with a revolving credit line.
Benefits:
- Close in as little as 24 Hours (Some Programs)
- Instant Online Income Verification using Bank Accounts (Some Programs)
- No Appraisal Needed (Some Programs)
- Consolidate debt, Home Renovations, Other Investments?
Shop multiple HELOC Lenders and Credit Unions
Home Equity Loans
Perfect for homeowners seeking a fixed lump sum for major expenses
Home equity loans offer a one-time cash payout with fixed repayment terms.
Benefits:
- Fixed interest rate and monthly payments
- Lower rates than unsecured loan options
- Predictable repayment schedule
- Suitable for large purchases or debt consolidation
A stable financing option for known expenses.
Rate & Term Refinance Loans
Perfect for homeowners seeking to reduce payments or adjust loan terms
Rate and term refinancing replaces your current mortgage with a new one—often at a lower interest rate or shorter term.
Benefits:
- Lower your monthly mortgage payment
- Pay off your loan faster with a shorter term
- Switch from an adjustable-rate to a fixed-rate mortgage
- Build equity more efficiently
Helps achieve long-term savings and financial stability.
Cash-Out Refinance Loans
Perfect for homeowners wanting to convert home equity into cash
A cash-out refinance replaces your existing mortgage with a larger one, providing cash at closing.
Benefits:
- Access funds for renovations, tuition, investments, or debt consolidation
- Possibly refinance into better loan terms
- Consolidate higher-interest debt
- Interest may be tax-deductible (consult your advisor)
Leverages your home’s value for strategic financial goals.