Point Capital Services · Sugar Land, Texas

The Right Financing for Your Homebuying Goals

From first-time buyers and veterans to self-employed borrowers, foreign nationals, and investors — explore residential financing options built around different borrower needs.

Residential Loan Programs

Explore Financing Options Built Around Your Needs

From FHA and VA to Conventional, Jumbo, USDA, and alternative financing options, we help you explore loan programs based on your goals, qualifications, and financial situation.

When traditional financing doesn’t fit, we can explore alternative financing options that may work for your situation.

Residential Financing

FHA Loan

Insured by the Federal Housing Administration, FHA loans offer low down payment options and flexible qualification guidelines, making them a popular choice for first-time homebuyers and other eligible borrowers.

Minimum Down

As low as 3.5%*

Credit Score

580+ may qualify for 3.5% down*

Property Types

Primary residence, 1–4 units

Mortgage Insurance

Upfront & annual MIP

Residential Financing

VA Loan

Backed by the U.S. Department of Veterans Affairs, VA financing is designed for eligible veterans, active-duty service members, and qualifying surviving spouses. Eligible borrowers may qualify for 0% down and no monthly mortgage insurance.

Down Payment

0% may be available*

Mortgage Insurance

No monthly mortgage insurance

Eligible Borrowers

Veterans, active-duty service members & qualifying surviving spouses

Funding Fee

May apply; exemptions available

Residential Financing

Conventional Loan

Conventional financing offers flexible purchase and refinance options for qualified borrowers, with fixed- and adjustable-rate options available. PMI may apply depending on the down payment and loan structure.

Down Payment

As low as 3% for eligible borrowers*

Credit Score

620+ may be required; guidelines vary

Rate Type

Fixed or adjustable

PMI

May apply below 20% down

Residential Financing

Jumbo Loan

Jumbo loans are designed for high-value properties that exceed applicable conforming loan limits. These loans are not eligible for purchase by Fannie Mae or Freddie Mac and may offer fixed- and adjustable-rate options.

Loan Amount

Above applicable conforming loan limits

Great For

High-value properties

Rate Options

Fixed & adjustable

Requirements

Based on loan amount, property, borrower profile, and lender guidelines

Residential Financing

USDA Loan

Backed by the U.S. Department of Agriculture, USDA financing may provide 0% down payment options for eligible borrowers purchasing qualifying properties in USDA-designated areas, subject to income and property requirements.

Down Payment

0% may be available

Property Location

USDA-eligible areas

Income Limits

Apply by area and household size

Fees

Upfront & annual guarantee fees may apply

Residential Financing

Non-QM Loan

No Traditional Income Documents? We May Have Options.

Don’t let traditional income documentation hold you back. With a few basic details about your situation, we can help you explore Non-QM options and provide information about available rates and fees — with no obligation. Know your options and find out if you’re getting a great mortgage deal.

Bank Statement

Alternative income documentation for eligible self-employed borrowers.

ITIN Loan

Financing options for eligible ITIN borrowers.

DSCR Loan

Financing based primarily on rental income for eligible investment properties.

Foreign National

Financing options for eligible foreign national borrowers.

*Guidelines, rates, terms, credit requirements, and availability vary by lender, borrower profile, property, and program. This is not a commitment to lend.

Not Sure Which Loan Fits?

Let's Find the Right Financing Option

Every borrower is different. Tell us about your goals, financial situation, and timeline, and our loan team will help you explore the programs that may fit your needs.

Talk to a Loan Officer

Who We Help

Financing for Different Borrower Needs

We don’t believe in one-size-fits-all lending. Every borrower has a unique situation, and we help you explore financing options designed around your goals.

First-Time Homebuyers

Low down payment options, educational support, and guidance through each step of the homebuying process.

Veterans & Active-Duty Service Members

VA financing may offer 0% down and no monthly mortgage insurance for eligible borrowers.

Self-Employed Borrowers

Bank statement programs may provide alternative income documentation options for eligible self-employed borrowers.

Foreign Nationals

Financing options may be available for eligible foreign nationals purchasing qualifying property in the U.S.

Real Estate Investors

DSCR financing can help eligible investors qualify based primarily on the property’s rental income and debt-service coverage.

ITIN Borrowers

ITIN financing may provide an option for eligible borrowers who don’t have a Social Security Number, subject to program guidelines.

Refinance

Let's Explore Your Options.

Looking to lower your rate or access equity in your home? We can compare options from multiple lenders to help identify a refinance solution that fits your goals and situation.
Talk to a Loan Officer

Ready to Find Your Loan?

Get a free consultation and explore your financing options with no obligation.
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