Loan Programs
Browse all our available loan programs
Interest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Adjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
High-Value Appraisal Program
Refi-Shield
Home Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for renovations, debt consolidatio...
FHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and those with less-than-perfect cre...
Fixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budgeting easy, available in 15 and ...
VA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the Department of Veterans Affairs, ...
Bridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexibility to move on your timeline...
ITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is committed to making homeownershi...
Conventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrowers. With options for as little ...
Jumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With competitive rates and flexible ter...
DSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real estate investors looking to grow...
Bank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income through traditional means. We...
Reverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in your home while receiving funds ...
USDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no down payment required and compet...