Compare home purchase, refinance and investment-property financing with Republic Lending Partners. Explore the programs below, or speak with our team about your goals and the options available through our lender partners.
Jumbo purchase and refinance loans · Houston jumbo and cash-out refinance · Refinance options · DSCR investment-property loans
Program availability and terms depend on the borrower, property and lender requirements. Call 713-364-4510 or request a personalized quote.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Compare conventional purchase and refinance options for your home. With a fixed-rate loan, the interest rate and scheduled principal-and-interest payment remain fixed; taxes, insurance and other costs can change. Down payment, mortgage insurance, term and approval requirements depend on the borrower, property and loan program.
FHA (Federal Housing Administration) loans are government-backed mortgage loans designed to make homeownership more accessible for low to moderate-income individuals and those with less-than-perfect credit. They offer benefits such as low down payments, competitive interest rates, and flexible qualification criteria, including lower credit score requirements. FHA loans are popular among first-time homebuyers and serve as a viable option for individuals who may not qualify for conventional mortgages.
Jumbo loans are a type of mortgage loan designed for purchasing high-value homes that exceed the conventional loan limits set by government-sponsored entities like Fannie Mae and Freddie Mac. They offer the flexibility to finance luxury properties, with competitive interest rates and terms, catering to borrowers with strong credit histories and substantial down payments. Jumbo loans typically require larger down payments and stricter credit qualifications, making them suitable for affluent homebuyers and investors seeking high-end real estate.
Home Refinance Loans, also known as refinancing, involve replacing an existing mortgage with a new one, typically with different terms or interest rates. Borrowers often pursue refinancing to lower their monthly mortgage payments, reduce their interest rates, or access their home's equity for other financial needs. Refinance options include rate-and-term refinances, which aim to secure better loan terms, and cash-out refinances, allowing homeowners to borrow against their home's equity. The process usually involves a credit check, home appraisal, and evaluation of the borrower's financial situation to determine eligibility and the potential benefits of refinancing.
In some cases a refinance loan might result in higher finance charges over the life of the loan.
VA (Veterans Affairs) loans are mortgage loans specifically designed to assist eligible U.S. veterans, active-duty service members, and certain members of the National Guard and Reserves in achieving homeownership. These loans are backed by the U.S. Department of Veterans Affairs, offering numerous advantages, including no down payment requirement, competitive interest rates, and relaxed credit score standards, making them an attractive option for those who have served in the military. VA loans also often feature lower closing costs, making homeownership more accessible to veterans and their families.
Financing for rental-property purchases and refinances in Texas and California. DSCR programs evaluate a property’s rental income relative to its housing payment, with credit, equity, reserves and other lender requirements still applying. Compare DSCR and conventional investor options for your property.
Explore alternative mortgage options for borrowers whose needs may fall outside standard conventional guidelines, including self-employed borrowers and eligible borrowers using alternative income documentation. Programs, documentation, rates and terms vary by lender, borrower and property. Our team compares available options through our wholesale lender network.
