There are many types of home loans to choose from


Adjustable Rate Mortgage (ARM)

An adjustable rate mortgage may be good for you if you plan to sell or refinance you home within the initial fixed-rate period, typically, seven years.  

Highlights of Adjustable Rate Mortgage Loans: 

  • Lower initial monthly payments 
  • Borrowers who don’t plan on living in one place for long
  • Fluctuating rates and payments 

Condo Loans 

If you’re planning to purchase a condominium. A condo loan could be good for you. 

Highlights of Condo Loans: 

  • Lower initial monthly payments
  • Option for borrowers who don’t plan on living in one place for long 
  • Fluctuating rates and payments 

Conventional Loans 

If you have good credit and steady income, a conventional loan could be good for you. 

Highlights of Conventional Loans: 

  • Variety of down payment solutions from 3%-20% 
  • Mortgage insurance flexibility 
  • Less restrictive property guidelines 

FHA Loans 

An FHA loan could be a good option if you have a lower credit score, smaller down payment, or higher debt-to-income ratio. 

Highlights of FHA Loans: 

  • Low down payment of 3.5%
  • Flexible income and credit requirements
  • Use of gift funds and grants as source of down payment 

Home Equity Loans 

If you need to borrow money against your home, a second mortgage, or home equity loan, could give you access to funds you need. 

Home Equity Loan options include: 

  • Piggyback (80-15-5) Loans 
  • Home Equity Line of Credit (HELOC) 

Jumbo Loans

A jumbo loan could be good for you if you have good credit but don’t have enough funds to bring the home loan amount under the conforming loan limit. 

Highlights of Jumbo Loans: 

  • Ability to purchase more home 
  • Higher purchase limits 
  • Available for primary, second homes or investment properties 

New Construction Loans

If you want the flexibility to customize your home from the ground up, a new construction loan with one-time closing could be good for you. 

Highlights of New Construction Loans: 

  • One closing for lot acquisition and construction 
  • Primary residences only
  • Variety of construction loan products 

Non-QM Loans

If you do not meet the traditional mortgage loan requirements, a non-qm loan could help you attain homeownership. 

Highlights of Non-QM Loans: 

  • Less stringent income documentation 
  • Lower credit options 
  • Flexible income source requirements 


If you have a mortgage, you may want to refinance it at some point in the future to meet a variety of personal and financial needs.

Highlights of Refinancing: 

  • Lower your mortgage payments
  • Consolidate your debt
  • Cash-out on your equity
  • Keep payments from rising 

Renovation Loans 

A renovation loan could be good for you if you want to make improvements to a home.  

Highlights of Renovation Loans: 

  • Renovation costs can be wrapped into home loan 
  • Options for minor and major renovation 

USDA Loans 

If you are looking to purchase a home in a rural area, a USDA home could be right for you. This program helps eligible low-to-moderate-income families achieve homeownership by offering 100% financing.  

Highlights of USDA Loans: 

  • $0 down payment 
  • Lower credit requirements 
  • Use of gift funds and grants as source of down payment 

VA Loans

VA loans provide affordable homeownership options to eligible service members, Veterans, and surviving spouses. 

Highlights of VA Loans: 

  • 100% financing with full VA entitlement 
  • No private mortgage insurance 
  • Fixed, adjustable-rate, and refinance options available 

No Lender Cost Refinance

When you purchase today, you’re eligible for a no lender-cost refinance up to 2 years after purchasing.

Learn more

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Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

DML Awards


Simplify the loan process and get expert advice

Nicole DavidsonNicole Davidson
03:22 07 Jan 23
Direct mortgage lending company is a comprehensive wraparound service that provided us with support from beginning to end in the procedures of pursuing our new home. I would recommend them to anyone, especially if the person is a first time home buyer. The processes are user-friendly, and questions are encouraged while answers are provided in a timely fashion. Kolleen was a true support every step of the way!! What an amazing team!! Thank you to Caleb, Kyle, Veronica, Jennifer, and Jen, and all the members of the team who helped make my dreams. Come, true! And even though I know that my realtor is not a part of this team, it was because of her that this team came into my life. Enough cannot be sad for such a comprehensive network of people working in the real estate business. The housing market is better for individuals like this that have this level of dedication.
Sydney OakesSydney Oakes
19:46 05 Dec 22
Meagan Gray is amazing at what she does. Very knowledgeable, helpful, and quick at helping you through the stressful process of home buying. She made it a breeze for my boyfriend and I, who had never bought a house before.
Nea DeniseNea Denise
20:15 15 Nov 22
Andy Cynthia &Rachel are a mega team! They did everything they said they’d do to make sure we closed! We appreciate them so much for making homeownership a reality for us. We highly recommend their services!
20:01 02 Nov 22
A personal thank you to Corey Glowacki, you are awesome!! thank you to the whole team for all that you do!!! you all were wonderful!! you have made this such a positive experience for me! you guys are true professionals!!!
Angela MoralesAngela Morales
13:35 28 Oct 22
The team at Amy Wolff of Direct Mortgage loans was amazing to work with. The app for your phone makes everything so easy! They keep the lines of communication open and check in often. They got the loan closed on time and with not stress. Call them, you will be glad you did.
Meaghan LoyMeaghan Loy
22:39 19 Jul 22
11/10 for the group at DML. Savannah and Cynthia were my team and they made the entire process as painless as possible. They texted me helpful reminders and emailed me everything I needed to help me keep track. This was literally the least stressful part of buying a home which is kind of wild! I'm a single mom so the home shopping and buying process was overwhelming but I had these two amazing women cheering me on in the background and I wish they could help me with everything!
ny williamsny williams
01:20 23 Jun 22
Wanna talk about fast,detailed,and efficient?!You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
Larry LawsonLarry Lawson
18:01 08 Jun 22
The is a very professional company. The beginning with Monica was so smooth and she is a super person to work with throughout the whole process. Misty was fantastic and kept us informed the entire time. They always return your calls and constantly reassure you at all times. Janeth was great to work with at the end. Overall highly recommend this company to anyone who wants a honest and stress free loan.
Joe McKenzieJoe McKenzie
02:53 05 Nov 22
Corey was extremely helpful and knowledgeable about the entire mortgage process. She helped me to secure a lower rate than I expected and was very friendly throughout everything. I have already referred several friends to her and will continue to do so in the future. Choosing anyone else for your mortgage needs would be a major mistake and will cost you a lot of money in the long run. I trust her and will continue to do business with her ANY time I need a mortgage in the future.
Megan McGrawMegan McGraw
17:20 21 Oct 22
I can’t say enough good things about Corey and the DML team. We inquired about refinancing on a whim and Corey and her team did not disappoint! They communicated consistently and answered all my questions quickly. Very smooth transaction and overall an excellent experience. I have recommended Corey to several people and will continue to do so!
Melissa LarkinsMelissa Larkins
20:27 20 Oct 22
Corey and her team were with us every step up of the way. They worked diligently to make sure that we were able to have a quick closing (less than a month) and patiently guided us through the process of applying and securing necessary documents. Corey and her team responded promptly to our questions and ensured that we understood the process. During our interactions, they demonstrated professionalism but also were personable and seemed to be as excited as we were to buy our house. I highly recommend contacting Corey to assist you with your mortgage needs.
Crystal WittCrystal Witt
01:52 20 Oct 22
Corey was amazing...our Journey began 2 years ago. My credit score was poor and needed work. Corey kept in contact throughout, letting me know what was hurting my score and helped my husband and I get to where we needed to be to obtain a mortgage. I was a first home buyer and unfamiliar with the steps and process. Corey was amazing,patient and very informative answering all my questions. Today,after our 2 year journey, my husband and I closed on our first home!!!! Thank you so much to Corey and her team!! They are amazing, I would highly recommend her wether it be first home,or refinancing!! It has been a pleasure working with her!!(closing was pushed back some,but no fault to Corey and her team) Together with Corey and her team WE DID IT!!!
Devon PottsDevon Potts
21:59 19 Oct 22
It was a pleasure working with Corey. She was so wonderful and gracious to me throughout the entire process. Corey was friendly, knowledgeable, and accessible. She kept me in the loop and was readily available when I reached out to her. Corey definitely helped to make my family and I home buying experience go smoothly. If you're looking for a great home buying experience I highly recommend her services to you.
Nikki KarraschNikki Karrasch
14:39 12 Jan 22
Corey is great! She helped us with our mortgage for the purchase of our home. We could not have asked for a more responsive team! Every step of the way we received updates and always knew where our loan was in the process. We closed on time and without any issues. I definitely recommend Corey if you are looking for a mortgage professional!

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