Beacon Mortgage & Funding
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Loan options

Every way to finance it, in one index.

Fixed rates, adjustable rates, conforming, jumbo and super jumbo, FHA, VA and USDA, plus private investor lending for fix-and-flip and ground-up construction. Open a line to read how each program behaves.

The index

Programs are tools.Choosing between them is the work.

Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. Here's the full set, with the trade-offs stated plainly.

The most predictable path to homeownership. One interest rate, one payment, for the full life of the loan — useful when you plan to stay put and want your housing cost fixed against the market.

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A shorter horizon and typically a lower rate. Payments are higher month to month, but far less interest is paid over the life of the loan.

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A fixed introductory period followed by periodic adjustments. Often the right instrument when a sale, refinance, or change in circumstance is expected inside the initial term.

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Financing that falls inside conventional loan limits, with competitive pricing for well-qualified borrowers across a range of terms.

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For property values above conventional limits. Underwriting is more detailed and structure matters — this is where advisory work earns its keep.

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Government-insured financing with flexible qualification, frequently used by first-time buyers. FHA guidelines allow for higher debt ratios on a case by case basis.

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Earned financing for eligible service members and veterans. VA guidelines also allow for higher debt ratios on a case by case basis.

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Financing designed for qualifying properties in eligible areas. Ask about eligibility before you rule it out.

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Term length is a lever, not a default. Shortening or lengthening the term changes both the monthly number and the lifetime cost.

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Investor-friendly financing for fix-and-flip projects, ground-up construction, and rental property acquisitions. Common-sense underwriting, fast draws, and structures built around the deal — not a W-2.

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Where are you today

Get your personalizedmortgage options.

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Pick the line that matches your situation — you'll go straight to the right tool.

Prefer to talk it through? (786) 305-7934