Business Details
Your Trusted Mortgage Partner for Home Loans
At 1st Nationwide Mortgage, we have dedicated ourselves to simplifying the home financing process for over 15 years. Our team leverages expertise from thousands of loan transactions to deliver tailored mortgage solutions for homeowners, homebuyers, realtors, and builders. Licensed across 15 states, we offer a comprehensive range of loan programsincluding conventional, FHA, VA, jumbo, and specialized refinancing optionsdesigned to meet diverse financial needs. Our commitment to competitive rates, low closing costs, and streamlined processes ensures clients receive accessible, efficient service.We prioritize client education, transparent communication, and personalized support to empower informed decisions. With flexible financing options like no-doc programs and debt consolidation solutions, we cater to unique borrower circumstances while maintaining rigorous compliance standards. Our track record of successful transactions and partnerships with local professionals underscores our position as a trusted partner in home financing.
Services
Conventional Loans
FHA Mortgages
VA Loans
Jumbo Mortgages
Refinancing Programs
Debt Consolidation
No Doc Loans
Reverse Mortgages
First Time Homebuyer
Government Loans
Highlights and features
- We offer 15+ years of mortgage lending expertise across diverse loan programs.
- Licensed in 15 states, we provide localized expertise with national reach.
- Competitive rates and low closing costs ensure affordable financing options.
- Streamlined processes deliver quick closings without compromising compliance.
- Specialized programs cater to self-employed borrowers and unique financial needs.
Services
Conventional Loans
Conventional loans cater to borrowers with strong credit seeking fixed or adjustable-rate mortgages. These uninsured loans require down payments starting at 3% and offer competitive rates. Ideal for primary residences, investment properties, or second homes, they provide flexibility with loan limits up to $10 million for jumbo options. Borrowers benefit from transparent terms and no mortgage insurance with 20% down.
FHA Mortgages
FHA loans assist first-time buyers with low credit scores and minimal down payments. Backed by the Federal Housing Administration, these loans require 3.5% down and allow lower credit thresholds. They include fixed and adjustable-rate options, with specialized 203K loans covering home repairs. Borrowers must pay mortgage insurance premiums but gain easier qualification standards compared to conventional loans.
VA Loans
VA loans provide zero-down financing for eligible military members, veterans, and spouses. Guaranteed by the Department of Veterans Affairs, these loans eliminate mortgage insurance requirements and offer competitive rates. Streamlined refinancing options exist for existing VA loans, with maximum limits exceeding $1 million in high-cost areas while maintaining flexible underwriting standards.
Jumbo Mortgages
Jumbo mortgages finance high-value properties exceeding conforming loan limits. Available in fixed or adjustable rates, these loans cater to luxury homebuyers in high-cost areas like California and New York. Requirements include strong credit scores, low debt-to-income ratios, and significant cash reserves. Loan amounts reach up to $10 million with tailored terms for unique financial profiles.
Refinancing Programs
Our refinancing options reduce monthly payments, consolidate debt, or access home equity. Programs include rate-and-term refinancing, cash-out loans up to $1 million, and streamline processes for FHA/VA borrowers. Self-employed individuals can qualify using bank statements, while jumbo refinancing accommodates high-balance mortgages with flexible documentation requirements.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, and government-backed loans with flexible terms for purchases or refinancing.
Can I qualify for a loan with a low credit score?
Yes. FHA loans require minimum 580 credit scores, while conventional loans typically require 620+ with compensating factors.
Are there down payment assistance programs available?
We offer FHA loans with 3.5% down, VA loans with zero down, and specialized programs for first-time buyers and public servants.
How long does the mortgage process take?
Our streamlined process typically closes within 30-45 days, depending on loan complexity and documentation timeliness.
Do you offer refinancing options for existing homeowners?
Yes. We provide rate-and-term refinancing, cash-out options, and streamline programs for FHA/VA loans to reduce payments or access equity.
What documentation is required for self-employed borrowers?
We accept 12-24 months of bank statements instead of tax returns for no-doc programs, with flexibility for high-net-worth clients.
