Mortgage Loan Options That Fit Your Goals

Explore Our Mortgage Loan Programs

A visual of a whiteboard or tablet screen with different home types (condo, single-family, etc.) being compared.

Smart Options for First-Time Buyers, Refinancers & Investors

Ask Mortgage Authority connects you with loan programs tailored to your unique goals — whether you’re buying your first home, refinancing to save, or investing in real estate.

We work with trusted, licensed lenders to offer flexible mortgage options with competitive rates, quick processing, and clear answers.

🏡 Popular Home Loan Programs

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Conventional Loans

Ideal for borrowers with good credit and steady income.

  • Down payments as low as 3% for first-time buyers
  • Fixed-rate or ARM options
  • PMI may be cancelable once equity reaches 20%

Best for: First-time buyers, move-up buyers, and borrowers with strong credit

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FHA Loans

Government-backed loans designed to help more people qualify.

  • Minimum credit score: 580
  • Down payments from 3.5%
  • More flexible debt-to-income (DTI) ratios

Best for: First-time buyers, low-to-moderate income borrowers

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VA Loans

Exclusive to U.S. veterans, active-duty service members, and some spouses.

  • 0% down payment
  • No private mortgage insurance (PMI)
  • Competitive VA-backed rates

Best for: Military families and veterans

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Jumbo Loans

For high-value properties that exceed conforming loan limits.

  • Loan amounts up to $3M+
  • Interest-only and ARM options available
  • Special programs for self-employed and investors

Best for: Buyers in high-cost markets, luxury homes, investment properties

👉 Explore Jumbo Loan Programs →

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Refinance Loans

Lower your rate, change your term, or tap into equity.

  • Rate & term refinance
  • Cash-out refinance
  • Streamlined refinance options available for FHA and VA borrowers

Best for: Homeowners seeking to reduce payments or unlock equity

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Investor & DSCR Loans

Built for real estate investors, not just homeowners.

  • No income verification — qualify based on property cash flow
  • Single-family or 2–4 unit properties
  • Short-term and long-term rental support

Best for: Investors, landlords, and short-term rental buyers

Not Sure Which Program Is Right?

Let’s figure it out together. We’ll match you with the best-fit loan programs based on your goals, credit, income, and location — no pressure, no commitment.

👉 Get Pre-Qualified

👉 Speak with an Advisor

📍 Available in Multiple States

Ask Mortgage Authority works with licensed professionals in:

  • Texas (our home base)
  • California
  • Florida
  • New York
  • Idaho
  • Georgia
  • And more…

Ask smarter. Borrow better.

Start with clarity — and finish with confidence.