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Current Loan Options
Finding the right home loan starts with understanding your goals and finances, Tenacity is here to make the process clear and guide you toward the right solution.
Purchasing
Enjoy a consistent interest rate and predictable principal and interest payments for the full term of your loan, making long-term budgeting simpler and more dependable.
Explore loan programs designed to help first-time buyers understand their options, manage upfront costs, and take the next step toward owning a home.
Discover financing options that may allow you to purchase a home with a smaller upfront investment while keeping more of your savings available.
An FHA loan is government-insured financing that may offer flexible credit requirements and lower down payment options for eligible homebuyers.
Lower your initial mortgage payments by using a seller contribution to temporarily reduce your interest rate during the first years of the loan.
Finance a higher-priced home with a loan designed for amounts that exceed standard conforming loan limits while offering flexible financing structures.
Combine the purchase price and eligible renovation costs into a single loan, helping you finance a home that needs repairs or improvements.
Finance the construction of a new home from the ground up with a loan structured around building costs, project milestones, and your long-term plans.
Use short-term financing to help cover the transition between purchasing a new home and completing the sale of your current property.
Explore mortgage options for rental homes, vacation properties, and other real estate investments designed to support your long-term financial goals.
Qualify for an investment property loan based primarily on the property’s rental income and debt-service coverage ratio rather than personal income alone.
Use personal or business bank statements to help document income when traditional tax returns or standard employment records do not reflect your full earnings.
Access short-term financing designed to help purchase, renovate, and prepare an investment property for resale after the improvements are completed.
Eligible homeowners may convert a portion of their home equity into funds while continuing to live in the property and retaining ownership of the home.
Refinance
3. HELOC Home Loan
Access a flexible line of credit secured by your home equity, allowing you to borrow funds as needed for renovations, major purchases, or ongoing expenses.
2. Cash-Out Refinance
Replace your current mortgage with a larger loan and receive a portion of your available home equity as cash for renovations, debt consolidation, or other expenses.
1. Refinance
Replace your current mortgage with a new loan that may help lower your interest rate, reduce your monthly payment, or adjust your loan term.
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