Integrity Lending
Primary Home Loans
Buying a home is one of the most important financial decisions you’ll ever make — and we’re here to make the process simple and stress-free. Our primary home loan programs offer competitive interest rates, flexible terms, and personalized guidance to help you purchase or refinance your main residence with confidence. Whether you’re a first-time homebuyer or upgrading to your next home, we provide financing solutions tailored to your goals and budget.
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Our Primary Home Loan Programs
We offer a wide range of home financing solutions designed to meet the unique needs of today’s homebuyers. Whether you’re purchasing your first home, refinancing, or looking for specialized loan options, our programs provide flexible terms, competitive rates, and personalized support every step of the way.
Conventional Loans
Ideal for borrowers with strong credit and stable income.
Key Benefits:
- Competitive interest rates
- Low down payment options available
- Flexible term options (15, 20, 30 years)
- No upfront mortgage insurance required (with 20% down)
- Great for primary residences and refinances
FHA Loans
Designed to make homeownership more accessible.
Key Benefits:
- Low down payment requirements
- More flexible credit guidelines
- Ideal for first-time homebuyers
- Competitive fixed-rate options
- Assumable loan benefits
USDA Loans
Affordable financing for eligible rural and suburban areas.
Key Benefits:
- 100% financing available (no down payment)
- Reduced mortgage insurance costs
- Competitive fixed rates
- Designed for moderate-income households
- Property location eligibility required
VA Loans
Exclusive benefits for eligible veterans and active service members.
Key Benefits:
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Limited closing costs
Jumbo Loans
Financing for higher-value properties.
Key Benefits:
- Loan amounts exceeding conventional limits
- Competitive jumbo rates
- Flexible down payment structures
- Ideal for luxury or high-cost markets
- Custom underwriting solutions
2nd Mortgages
Access your home’s equity without refinancing your first loan.
Key Benefits:
- Fixed-rate second mortgage options
- Lump-sum equity access
- Ideal for renovations or major expenses
- Keep your existing low first mortgage rate
- Flexible repayment terms
Non-QM Loans
Flexible solutions for unique financial situations.
Key Benefits:
- Alternative income documentation options
- Ideal for self-employed borrowers
- Bank statement loan programs
- Asset-based qualification available
- Flexible underwriting guidelines
ITIN Loans
Home financing for borrowers without a Social Security Number.
Key Benefits:
- ITIN accepted in place of SSN
- Flexible documentation requirements
- Competitive rate options
- Designed for hardworking families
- Pathway to homeownership