LOAN TYPES Explore Your Options Mortgage One Group helps you find the mortgage that fits your financial needs

Conventional Loan

Conventional loan is a type of loan that is not offered or secured by a government entity like FHA or VA but made available by government-sponsored enterprises Fannie Mae and Freddie Mac. Current conventional loan limits for 2018 are:


Maximum Loan Amount for 2020

UnitsContiguous States, District of Columbia, and Puerto RicoAlaska, Guam, Hawaii, and the U.S. Virgin Islands

High Balance Loan

For high-cost areas, home buyers can still utilize the benefits of conventional loan rather than going to Jumbo program

You can look up maximum loan limits using the link:


Maximum Loan Amount for High-Cost Areas for 2020

UnitsContiguous States, District of Columbia+Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1$765,500Not Applicable
2$980,325Not Applicable
3$1,184,925Not Applicable
4$1,472,550Not Applicable

Jumbo Loan

For higher mortgage amounts above conventional limits, home buyers may need to go with a jumbo mortgage for financing. Since they are portfolio loans from banks and private lenders, they come with unique underwriting requirements.

FHA Loan

FHA loan is insured by the Federal Housing Administration and mostly suitable for low-to-moderate income borrowers with lower down payment and/or less than perfect credit scores.

VA Loan

VA Loan is a program established by the United State Department of Veterans Affairs to help veterans and their families purchase homes with no down payment requirements. Borrowers must obtain Certificate of Eligibility from VA to apply for the loan.

Stated Income Loan

For more complexed income situations, we offer products without verifying tax returns. With alternate income documents like P&L statements, Verification of Employments, etc., you can still get a mortgage with larger down payments and good credit scores.

Foreign National Loan

You can still buy homes in the United States even though you are not a US citizen. With higher down payments, we allow foreign income and credit to be used to offer mortgages to non-residents.

Reverse Mortgage

Reverse mortgage is for homeowners 62 and older and allow homeowners to convert their home equity value into cash with no monthly mortgage payments

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