30-Year Fixed Mortgage

The 30-Year Fixed Rate Mortgage provides you with the most control over your monthly payment. Your affordable interest rate will never change over the life of the loan, providing your family with the confidence to build a budget for the future. The 30-Year Fixed Mortgage is perfect for those who are looking for long term home ownership; it provides an affordable and secure option for those who will stay in a home for a longer period of time.

15-Year Fixed Mortgage

The 15-Year Fixed Mortgage is similar to the 30-Year Fixed Mortgage but with a shorter term. The 15-year life of this loan means that you build home equity quickly, and you will pay less interest over the life of the loan. With a 15-Year Fixed Mortgage, your rate and monthly payments will not change, providing you with the reliability of knowing how to budget for your mortgage. This loan allows homeowners to pay off their home faster, helping them achieve financial independence quickly.

Adjustable-Rate Mortgage

An Adjustable-Rate Mortgage is a home loan whose interest rate can change over the life of the loan. Adjustable-Rate Mortgages start off at one interest rate which, depending on your situation and mortgage, can rise or fall. Typically, the extent to which the interest rate can rise or fall is specified in the loan contract. Adjustable-Rate Mortgages are a great option for homeowners who will need some flexibility in their payments or buyers who are interested in staying in a home for a limited period of time.

FHA Loans

An FHA Loan is a Federal Housing Administration backed mortgage for borrowers who have less cash for a down payment or those whose credit isn't perfect. An FHA loan is the perfect tool to expand the American Dream to more hard working families. If you think that you cannot afford a traditional loan, or if you have been turned down for a mortgage before, ask us about FHA loans today

FHA 203K Loans

FHA 203K loan is backed by the federal government and allows the borrower to finance the purchase of a house or refinance your current mortgage, and include the cost of its repairs through a single mortgage. The Section 203(k) loan program is the U.S. Department of Housing and Urban Development's (HUD) primary program for the rehabilitation and repair of single-family properties.

USDA Loans

A USDA home loan is a mortgage either made or guaranteed by the United States Department of Agriculture's Rural Housing Service agency to help households with very low to moderate incomes purchase safe and affordable homes in rural areas. There are several benefits of a USDA loan, including flexible credit underwriting requirements and no down payment required.

Jumbo Loans

A Jumbo Loan or A Jumbo Mortgage is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $625,000 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $822,373. Jumbo Loans may carry a slightly higher interest rate, but they offer the flexibility and value to help you purchase a premium property. Premium properties require an experienced loan staff to find the right high value loan. Whether it’s your dream home or a savvy investment opportunity, ask us how our Jumbo Loan options can make your new purchase a reality.

Reverse Mortgage

A Reverse Mortgage is a way for Americans aged 62 and over to access the equity in their home for life's expenses. Homeowners can use a large portion of their home's equity to take out cash in a lump sum or in monthly payments. Homeowners will not be required to make mortgage payments on this loan as long as they live in the house, and the loan is insured by the Federal Housing Administration (FHA). Talk to Pioneer Mortgage Funding Inc. today about how a reverse mortgage can give you the financial security that you deserve in the prime of your life.

VA Loans

A VA Loan is a mortgage that is backed by the U.S. Department of Defense for American Veterans of the Armed Forces. VA Loans are an excellent choice for veterans who are looking for a variety of loan options. VA Loans can be fixed rate or variable rate, and veterans with poor credit might still qualify. Pioneer Mortgage is proud to work with our veterans to help put them into their perfect home.

The VA Home Loan Guarantee Program helps veterans purchase, refinance, or builds homes through VA-approved lenders. Packed with money-saving advantages, such as no down payment requirement and no private mortgage insurance, the VA home loan also is designed specifically for the unique challenges facing service members and their families.