Loan Programs | Haven Prime Mortgage LLC

For Most Buyers

Conventional Loans

Conventional loans are the most common mortgage type. They're not backed by the government, which means they often offer more flexibility on property types and loan amounts — and competitive rates for buyers with good credit.

Down payment as low as 3% (first-time buyers) or 5%
No upfront mortgage insurance premium
PMI removable once you reach 20% equity
Fixed rates: 10, 15, 20, or 30 years
Adjustable-rate options (5/1, 7/1, 10/1 ARM)
Conforming loan limits up to $806,500 (2025)
Jumbo options above conforming limits
Primary, second home, and investment properties

Best for: Buyers with credit scores 620+ and steady income who want the most loan flexibility.

Apply for a Conventional Loan

First-Time Buyers

FHA Loans

FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible for buyers with lower credit scores or limited down payment savings.

Down payment as low as 3.5% (credit 580+)
Credit scores as low as 500 with 10% down
Gift funds allowed for down payment
Seller can contribute up to 6% of closing costs
Fixed 15 and 30-year terms
Higher debt-to-income ratios allowed
Primary residence only

Best for: First-time homebuyers, buyers rebuilding credit, or anyone with limited savings.

Apply for an FHA Loan

For Our Veterans

VA Loans

VA loans are a benefit earned by veterans, active-duty service members, National Guard, and surviving spouses. They offer the most favorable terms of any loan program available.

$0 down payment — no down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit and income requirements
No prepayment penalty
Funding fee may be financed into the loan
Can be used multiple times

Best for: Veterans and active-duty service members who want maximum buying power with minimum out-of-pocket cost.

Apply for a VA Loan

⭐ 🇺🇸

Honoring Those Who Served

$0 Down · No PMI · For Veterans & Active Duty

For Real Estate Investors

DSCR Investor Loans

Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income — not their personal income or tax returns. Perfect for building a portfolio fast.

No personal income verification
No tax returns or W-2s required
Qualify based on rental income (DSCR ≥ 1.0)
Single-family, 2–4 units, condos, short-term rentals
LTV up to 80%
LLC vesting allowed
30-year fixed, 5/1, 7/1 ARM options
Interest-only options available

Best for: Real estate investors who have strong rental income but complex tax returns that show low reportable income.

Apply for a DSCR Loan

For the Self-Employed

Bank Statement Loans

Self-employed borrowers often write off business expenses that make their taxable income look low on paper — even if cash flow is strong. Bank statement loans solve that by qualifying you on actual deposits instead.

12 or 24 months of bank statements used
Personal or business statements accepted
No tax returns or W-2s required
Loan amounts up to $3M+
Primary residence, second home, investment
Credit scores 620+
Down payment as low as 10%

Best for: Self-employed buyers, business owners, freelancers, and contractors with strong cash flow but low taxable income.

Apply for a Bank Statement Loan

Building New

New Construction Loans

Buying a newly built home or building from the ground up? We work with builders and developers across Texas and offer programs specifically designed for new construction purchases.

One-time close construction-to-permanent loans
Rate lock during construction period
Works with all Texas builders
FHA, VA, and Conventional new construction options
Builder incentive programs navigated for you
Extended rate lock options

Best for: Buyers purchasing spec homes, custom builds, or new community homes with a builder.

Talk to Us About New Construction

Already Own a Home?

Refinance Options

Refinancing can lower your rate, reduce your monthly payment, access cash from equity, or shorten your loan term. We'll run the numbers honestly and only recommend a refinance if it makes financial sense for you.

Rate & term refinance — lower your rate or payment
Cash-out refinance — access up to 80% of equity
Streamline refinance (FHA & VA)
No-cost refinance options available
Investment property cash-out
Debt consolidation refinance

Use our Refinance Calculator to see how much you could save before applying.

Explore Refinance Options

Not Sure Which Loan is Right for You?

Let Franco Figure It Out — Free

Tell us a little about your situation and we'll identify the best loan options for you — no obligation, no credit pull yet, no pressure.

Get a Free Loan Consultation