Let us tell your

home buying story.

FIND A LOAN Officer

Let us tell your

home buying story.

FIND A LOAN OFFICER

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A MORTGAGE AS UNIQUE AS YOU.

At FGMC we offer mortgage options to meet the needs of many different financial situations.

  • First Time Homebuyers
  • Self Employed Borrowers
  • Down Payment Assistance Programs
  • Second Liens & ARMs
  • FHA, VA & USDA

Learn More

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A MORTGAGE AS
UNIQUE AS YOU.

At FGMC we offer mortgage options to meet the needs of many different financial situations.

  • First Time Homebuyers
  • Self Employed Borrowers
  • Down Payment Assistance Programs
  • Second Liens & ARMs
  • FHA, VA & USDA
Learn More

A FULL SUITE OF PRODUCTS

Each borrower’s situation is unique and we are equipped to help with our expanded product selection!

Conventional

Conventional Loan Programs

  • 15, 20 and 30-year Fixed Rates
  • Cash-out Refinance Options
  • Purchase With Only 3% Down
  • Credit Scores as Low as 620

FHA

FHA Loan Programs

  • Purchase With Only 3.5% Down
  • Refinance Up to 97.5% Loan-To-Value
  • Credit Scores as Low as 500
  • FHA Streamline Program

VA

VA Loan Programs

  • Purchase With 0% Down
  • Credit Scores as Low as 500
  • Cash Out Options
  • Mortgage Insurance (PMI) Not Required
  • VA IRRRL Program Available

USDA

USDA Loan Programs

  • Purchase With 0% down
  • Credit Scores as Low as 620
  • Streamlined Assist Refinance Loans Available
  • Minimal Out of Pocket Closing Costs

Jumbo

Jumbo Loan Programs

  • Loan Amounts up to $3.5 Million
  • Cash Out up to $500,000
  • Credit Scores As Low As 660
  • Purchase or Refinance Options
  • 30-year Fixed Rate Available

Investment Property Loan

Investment Property Loan Programs

  • No Personal Income or Tax Returns Needed
  • No Other Personal Debt Analyzed
  • Credit Scores as Low as 640

Bank Statement Loans

Bank Statement Programs

  • 12- and 24-month Personal and Business Bank Statement
  • 2 Year History of Self-Employment Required
  • Primary, Second, and Investment Homes
  • 40-Year Fixed, 30-Year Fixed with 10 Year Interest Only Option Available

Second Lien

Second Lien Programs

  • Minimum FICO Score 680
  • Up to 100% Combined Loan to Value
  • 10, 15, 20, 30 year terms available
  • Owner Occupied or Second Homes Ok

Expanded Credit

Expanded Credit Program

  • Credit Scores Down To 560
  • 30 Day Late Housing Payments Acceptable
  • 1 Day Out of Chapter 13 Bankruptcy & Short-Sales Allowed
  • 12 Months Seasoning on Foreclosures and Non-Chapter 13 BK
  • LTV up to 85%

Non-Warrantable Condo

Non-Warrantable Condo Programs

  • Available for 30-Year Fixed and 30-Year Fixed with 10 Year Interest Only Option
  • Loan Amounts up to $3,000,000
  • Cash-out Permitted
  • Owner-Occupied, Second Homes, and Investment Properties permitted (no DSCR)

1099 Only Income

1099 Only Income Programs

  • One (1) or two (2) years of 1099s
  • 4506-C required with a transcript for the 1099s
  • Verification of Employment from current contract employer

Second Home Options

Second Home Options

  • Loan Amounts Up to $3,000,000
  • Purchases Available up to 90% LTV
  • Credit Scores Down to 620
  • Bank Statement Income Available for Second Homes
  • Gifts Permitted with 5% of Own Funds
  • Low Reserves Requirements
  • Cash-Out Proceeds Allowable for Reserves

Our Mortgage Process

Congratulations! We can’t wait to help you reach your homeownership goals! Here’s the run- down of the process of purchasing your home with FGMC.

PURCHASE PROCESS
REFINANCE PROCESS


Find a FGMC Mortgage Loan Officer Near You

We have Loan officers licensed from cost to cost. You will for sure find one near you.

Find a Loan officer

The Reviews Are In

See how FGMC Retail made the loan process simple.

5.0 / 5.0

Josh was so helpful, guiding me through the refinance process, and answering all of my questions. He went above and beyond on several occasions to move the process forward and remove any obstacles!

Jessica D H
Denver - CO

5.0 / 5.0

Great experience, especially with Dan Allen. Thanks.

Harvey S
Vancouver - WA

5.0 / 5.0

Michelle did a great job. She was patient and always available when I needed to what was going on. I would definitely recommend her Shawn and Kari to my friends.

Robert S
Loveland - CO

Proud sponsor of CASA

(Court Appointed Special Advocates)

First Guaranty Mortgage Corp. established a partnership with Court Appointed Special Advocates, a community of volunteers who speak out on behalf of abused children in Collin County, Texas and Frederick, Maryland. CASA provides court-based advocacy for children who have been abused or neglected by training volunteer advocates to serve as the voice for the children within the court system to ensure they are placed in a safe, permanent and loving home.



Find the Career For You

Get Started Now

Learn more about where you stand with no commitment.
phone (844) 372-3042   phone (704) 523-9186
customerservice@fgmcretail.com

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