Let us tell your

home buying story.

Let us tell your

home buying story.

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 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

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.

(844) 372-3042

(704) 523-9186

customerservice@fgmcretail.com

Buy A Home Refinance

Buy A Home

Refinance