Mortgage Loan Options
TopOne Mortgage Inc (全美贷款公司) offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide comprehensive loan options:
Conventional Loan
Traditional Mortgage with fixed or adjustable rates
High Balance Loan
Conforming Mortgage that exceeds standard loan limits but falls within the higher limits set for designated high-cost areas
Jumbo Loan
Mortgage that exceeds conforming loan limits set by Fannie Mae & Freddie Mac, typically used to finance high-priced properties
FHA Loan
Mortgage backed by the government that is designed to help low-to-moderate-income borrowers qualify for homeownership with lower down payments and more flexible credit requirements
Commercial Loan
Mortgage used to finance income-producing properties such as office buildings, retail centers, or apartment complexes, typically requiring business income for qualification
Construction Loan
Residential mortgage used to finance building a new home or major renovation of an existing one
Non-QM Loan
Flexible mortgage option for borrowers who do not meet traditional lending guidelines
Foreign National Loan
Mortgage designed for non-U.S. citizens who live abroad and want to purchase property in the United States, typically without requiring U.S. credit history or income documentation
APR Examples for Conforming and Jumbo Loans
Unless otherwise noted, sample Annual Percentage Rate (APR) calculations are based on: Conforming loans (loan amounts at or below $806,500 in most U.S. counties—or up to $1,209,750 in designated high-cost areas (including Alaska, Hawaii, Guam and the U.S. Virgin Islands). Sample APR assumes a $806,500 30-year fixed-rate mortgage at 6.25% with estimated closing costs equal to 2% of the loan amount $16,130. Jumbo loans (loan amounts above the conforming limits shown above). Example APR is based on $1,209,750 30-year fixed-rate mortgage at 6.50 % APR with estimated closing costs equal to 2 % of the loan amount $24,195.
