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First-Time Buyer
This fixed-rate loan offers amounts up to $832,750—or $1,249,125 in high-cost areas—with down payment options as low as 3% and discounted private mortgage insurance (PMI) to help keep monthly costs down. It’s a strong fit for first-time homebuyers, low- to moderate-income borrowers, or anyone with limited funds for a down payment or less-than-perfect credit who still wants a stable, predictable mortgage option.
FHA
This government-backed loan* offers financing up to $832,750—or up to $1,249,125 in high-cost areas—with a low down payment option starting at just 3.5%. Designed with flexibility in mind, it allows for more lenient income, debt, and credit requirements, and even permits down payment and closing costs to be funded through gifts or grants. It’s a popular choice for first-time homebuyers or those with limited savings or less-than-perfect credit looking for a more accessible path to homeownership.
VA
This VA loan program* offers financing up to $4 million with no down payment requirement, making it a powerful option for eligible borrowers. With flexible income, debt, and credit guidelines, and the ability to use gifts or grants for closing costs, it’s designed to make homeownership more accessible. Ideal for qualifying veterans, reservists, and active-duty service members—especially those with limited savings or less-than-perfect credit—it provides a flexible and affordable path to buying a home.
Fixed-Rate
A fixed-rate loan offers stability and predictability, with loan amounts up to $832,750—or $1,249,125 in high-cost areas—and consistent monthly principal and interest payments that protect against rising rates. With flexible terms ranging from 10 to 30 years and down payment options as low as 3%, it’s the most popular choice for homebuyers—especially those planning to stay in their home long-term, lock in a low rate, or manage a limited or fixed income.
Adjustable-Rate
This adjustable-rate mortgage (ARM) offers a lower initial interest rate that remains fixed for a set period before adjusting with market conditions, helping increase short-term cash flow. With down payment options as low as 5% and a variety of fixed-period terms to choose from, it’s a smart option for buyers who plan to move or refinance within a few years and want to take advantage of lower upfront payments.
High Balance
This high-balance loan is designed for buyers purchasing in high-cost areas, offering loan amounts from $832,750 up to $1,249,125. Available in both fixed and adjustable-rate options, it features down payments as low as 5% and typically comes with lower interest rates and APRs compared to jumbo loans. It’s an ideal solution for those buying higher-end properties who may want to keep more cash on hand rather than putting down a larger upfront payment.
Jumbo
This jumbo loan program offers financing up to $10 million with both fixed and adjustable-rate options, down payments as low as 5%, and even interest-only features for added flexibility. Designed for buyers purchasing high-end properties or homes in high-cost areas, it leverages multiple investors to provide competitive, cost-saving options while accommodating more complex financial profiles.
Buydown Programs
This temporary buydown option is available on most loan types and offers five flexible structures ranging from 1- to 3-year terms, with lender-paid**, seller-paid, or split-cost options. It allows buyers to enjoy lower monthly payments in the early years of their loan, making it a smart strategy for increasing short-term cash flow. Ideal for those planning to move or refinance within a few years, it can also be a more effective negotiation tool than asking a seller to reduce the purchase price.
Foreign Nationals
This foreign national loan program offers financing up to $832,750 with down payment options as low as 5% and 15- or 30-year fixed terms—all without requiring U.S. credit history. Designed for non-U.S. citizens purchasing a primary residence in the U.S., it provides a flexible path to homeownership for international buyers looking to establish roots.
*Premia Mortgage is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code. Premia Mortgage is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.
**The term "lender paid" means that the eligible borrower selects a higher interest rate on a mortgage loan in exchange for a lender credit. The lender credit is used to cover the cost of temporarily lowering the mortgage rate and will not exceed the cost required to achieve the selected rate. The lender-paid temporary rate buydown option is available on conforming 15 and 30-year fixed-rate loans as well as FHA and VA 30-year fixed-rate loans for the purchase of a primary residence. The 1.5/.5 buydown option is not available for VA loans. Property and loan type restrictions apply. Contact Premia Mortgage for more information. The term "lender paid" means that the eligible borrower selects a higher interest rate on a mortgage loan in exchange for a lender credit. The lender credit is used to cover the cost of temporarily lowering the mortgage rate and will not exceed the cost required to achieve the selected rate. The lender-paid temporary rate buydown option is available on conforming 15 and 30-year fixed-rate loans as well as FHA and VA 30-year fixed-rate loans for the purchase of a primary residence. The 1.5/.5 buydown option is not available for VA loans. Property and loan type restrictions apply. Contact Premia Mortgage for more information.