Great Loan product variety
to win more home buyers
A large, unique portfolio of mortgage loan products to support a broader range of clients.
FHA Loans
Help more borrowers who may not qualify for conventional financing achieve the dream of homeownership.
- Up to 97.75% LTV
- Eligible for primary purchase, rate/term and cash-out refinances
- Available on single- and multi-wide manufactured homes
- Jumbo starting $1 over conforming loan limit up to FHA Mortgage Limit
Additionally, FHA loans typically close within 10 days, helping you write stronger offers in a heated real estate environment. Flexible credit score and debt to income ratios requirements, accommodating borrowers with slightly lower credit scores and higher debt to income ratios.
Another advantage is that FHA loans are assumable, allowing future buyers to assume the existing FHA loan with its original terms. FHA offers streamlined refinancing options, making it easier for homeowners to lower their interest rates and monthly payments.
VA Loans
Serve those who have bravely served in the Armed Forces.
VA loans simplify and reduce the cost of homeownership for eligible service members, veterans, and surviving spouses. As a VA-approved lender, we’re here to help you maximize the benefits you’ve earned.
Zero Down Payment
Typically, VA loans enable you to purchase a home without any upfront payment.
Flexible Credit Standards
You can buy or refinance a home even with a credit score as low as 580.
No PMI
With a VA loan, private mortgage insurance is not required, leading to lower monthly mortgage payments.
Homeowner Benefits
VA loans offer greater refinancing options and access to your home equity compared to conventional loans.
USDA Loans: Affordable Rural Homeownership
Rural development loans are a great option for your borrowers looking for 100% financing. Recognized as a top government lender, AREG ensures a smooth, quick process for both your clients and referral partners. Count on AREG to hit contract dates on USDA purchases, with direct access to underwriting and industry leading turn times!
- 30-year fixed rate
- No down payment required
- No cash reserves needed
- Closing costs may be financed on some transactions
- Seller contributions allowed
- Available on single- and multi-wide, condos and PUDs
Jumbo Loans
AREG offers a suite of fixed-rate jumbo products featuring competitive pricing along with transparent loan qualifications guidelines that allow your buyer a smooth underwrtiing experience, quick turntimes and even faster escrow closings.
We know higher home prices means higher commissions for our realtor partners, thats why we have a unbelievable suite of jumbo loans up to $5,000,000 that your buyers will love.
These custom options aren’t offered at most big banks or retail lenders, so you’ll win more home buyers and wow more sellers!
Home Equity Line of Credit (HELOC)
Our HELOC programs are designed to help our Realtor Partners win more business. With a focus on pulling out cash to buy another home such as a investment property or second home.
We also offer Piggyback HELOC. This product allows qualified conventional borrowers to secure a new mortgage on the home while simultaneously opening a home equity line of credit. Doing so allows borrowers with less available for a down payment to borrow additional money that can help them avoid mortgage insurance. It’s also a great option for borrowers with jumbo loan amounts who want to qualify for a conforming loan instead.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loan program. AREG offers 4 different loan options for your real estate investor buyers using the prospective rental income of the property, rather than the buyer’s income, to qualify.
With loan options up to $3M for purchases and refinances, you can help your buyers grow and scale their real estate portfolio. Plus, long-term real estate investors can elect to add a 1-, 2- or 3-year pre-payment penalty in exchange for better pricing.* As long as they don’t pay off or sell the property within the agreed-upon pre-payment period, they’ll benefit from savings that can be used elsewhere.
And our Bank Statement products offer loan options up to 90% LTV on loan amounts up to $3.5M, allowing your home buyer clients another way to buy.
Unlocking Opportunities with Private Money Loans
As a realtor, you may encounter clients who find it challenging to secure financing through traditional avenues. For those clients—investors eager to purchase and renovate properties, or developers embarking on new projects—private money loans can be an ideal solution.
Our private money loans provide quick access to funds, which is essential for you and your clients needing to act swiftly in competitive markets. Investors can leverage these loans for property purchases, enabling them to renovate and resell for a profit in a short timeframe.
If you have clients who could benefit from faster, more flexible financing options, a private money loan may be the perfect tool to help them achieve their goals. Let’s work together to connect them with the resources they need to succeed!
Conventional, Jumbo, FHA, VA, USDA, NON-QM, HELOCs and Hard Money Loans for Investors
We offer fixed loan terms of 10, 15, 20, 25, 30 and 40 years, Interest Only 30 yr & 40 yr and ARMs.
Join Us and Become a Partner Today!
We understand the pain points in the mortgage process. We have created an
system for real estate agents that leverages technology & automation, minimizing headaches
and gives you and your clients a easy, fast and transparent straight line to the close of escrow.