Loan Programs

Loan Programs with Wesley Bal at EquitiFirst Mortgage

Serving Florida and Virginia, Wesley Bal with EquitiFirst Mortgage provides a wide range of loan programs designed to meet diverse financial needs. Whether you’re a first-time homebuyer, a veteran, or looking for specialized financing, Wesley has the expertise to guide you through the process. Explore our loan options to find the perfect fit for your goals.

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FHA Loans

FHA loans are an excellent choice for buyers with limited savings or those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans feature low down payment options and more lenient credit requirements. Borrowers pay for mortgage insurance, which protects lenders, making homeownership more accessible.

VA Loans

VA loans provide exclusive benefits to eligible veterans, active-duty service members, and surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, VA loans offer no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI), making them one of the most affordable financing options.

USDA Loans

For buyers seeking homes in eligible rural areas, USDA loans provide 100% financing with low mortgage insurance costs. Backed by the U.S. Department of Agriculture, these loans are designed for primary residences and come with income and debt-to-income ratio requirements, ensuring affordability.

Conventional Loans

Conventional loans are ideal for buyers with strong credit and savings. With a minimum 20% down payment, these loans eliminate the need for mortgage insurance, reducing long-term costs. They are perfect for those looking to invest in a primary residence, vacation home, or rental property.

Reverse Mortgages

Reverse mortgages, available to homeowners aged 62 and older, allow you to convert your home equity into tax-free income or a lump sum. With no required monthly mortgage payments, this program offers financial flexibility while ensuring you remain in your home.

Qualifying seniors can also use a reverse mortgage to purchase a new primary residence. This program provides a hassle-free way to buy a home without monthly mortgage payments, giving you peace of mind in your golden years.

Jumbo Loans

For those looking to purchase high-value or luxury homes, jumbo loans offer financing options that exceed conventional loan limits. These loans cater to borrowers with strong credit, a low debt-to-income ratio, and significant down payments.

Commercial Mortgages

Whether you're expanding your operations, purchasing new equipment, or investing in commercial real estate, EquitiFirst Mortgage is here to help. Our tailored commercial loan solutions offer competitive rates, flexible terms, and personalized service to ensure your business reaches its full potential. Let us be your partner in success—contact us today to learn more!

Foreign National Programs

Buying a home in the U.S. as a foreign national is now easier than ever. With over 20 years of experience, we’ve created streamlined programs tailored for international buyers, whether you're purchasing a holiday home or making an investment.

Non-Traditional Loans

Non-traditional loans are perfect for borrowers who don’t meet conventional or government loan criteria. Options include bank statement programs, stated income loans, and hard money lending. While rates and costs may be higher, these loans provide valuable solutions for unique financial situations.