Mortgage Products

every mortgage product in the industry for Every Borrower

From conventional purchase loans to specialty investor programs, PierPoint Mortgage offers a complete lineup of financing options. Our brokers compare products across dozens of lenders to match you with the right loan at the best available rate.

Home Purchase Loans

Five core loan types cover the vast majority of home purchases in the United States. Each has distinct qualification criteria, down payment requirements, and rate structures.

Conventional Loans

Fixed and adjustable-rate mortgages for borrowers with solid credit and at least 3% down. The most common loan type for primary residences, second homes, and investment properties.

FHA Loans

Government-insured loans accepting credit scores as low as 580 with just 3.5% down. Popular with first-time buyers who need flexible qualification requirements.

VA Loans

Zero-down-payment mortgages exclusively for eligible veterans, active-duty service members, and surviving spouses. No private mortgage insurance required.

USDA Loans

Zero-down financing for homes in USDA-eligible rural and suburban areas. Income limits apply, but qualifying borrowers benefit from below-market interest rates.

Jumbo Loans

Financing above the conforming loan limit for high-value properties. Custom terms, competitive rates, and flexible underwriting for well-qualified borrowers.

Refinancing & Equity Products

Already own a home? Refinancing can lower your rate, shorten your term, or unlock the equity you have built over time.

Mortgage Refinancing

Replace your current mortgage with better terms — lower rate, shorter term, or cash out equity. Includes conventional, FHA, and VA streamline options.

Reverse Mortgages

Convert your home equity into income without monthly mortgage payments. Available to homeowners age 62 and older through the FHA-insured HECM program.

Specialty & Investor Loan Products

Standard qualification rules do not work for every borrower. These programs use alternative documentation, asset-based underwriting, or property cash flow to qualify borrowers who fall outside conventional guidelines.

DSCR / Investor Cash Flow Loans

Qualify based on rental property income rather than personal tax returns. Ideal for real estate investors building or expanding a portfolio of 1 to 8 units.

Bank Statement Loans

Use 12 to 24 months of bank deposits instead of tax returns to verify income. Designed for self-employed borrowers, freelancers, and business owners.

Profit & Loss Loans

Qualify using a CPA-prepared P&L statement rather than full tax documentation. A streamlined path for entrepreneurs with strong revenue and irregular filings.

Fix & Flip Loans

Short-term financing for purchasing, renovating, and reselling residential properties. Fast closings and interest-only payment structures during the rehab period.

Foreign National Loans

Mortgage options for non-US citizens purchasing property in the United States. No Social Security number or US credit history required.

Manufactured Home Loans

Financing for manufactured and modular homes on permanent foundations. FHA, VA, and conventional options available depending on property classification.

Hard Money Loans

Asset-based lending focused on property value rather than borrower credit. Fast funding for time-sensitive deals, bridge financing, and distressed property acquisitions.

New Construction Loans

Finance the building of a new home from the ground up. Construction-to-permanent loans roll the build phase and long-term mortgage into a single closing.

Commercial Loans

Financing for multi-family (5+ units), mixed-use, retail, office, and industrial properties. Flexible terms structured around property cash flow and borrower experience.

How We Help You Choose

Side-by-Side Comparison

Your broker presents multiple loan options with clear breakdowns of rates, fees, monthly payments, and total cost over the life of the loan so you can make an informed decision.

Pre-Approval in 24 Hours

Submit your documents and receive a pre-approval letter quickly, giving you a competitive edge when making offers in a fast-moving market.

Rate Lock Protection

Once you find the right program, we lock your rate to shield you from market fluctuations while your loan moves through processing and underwriting.

Find the Right Mortgage Product

Not sure which loan fits your situation? Call (844) 241-7720 for a free consultation or start your application online.

Apply Now

Mortgage Products | PierPoint Mortgage