The right loan for your situation.
From first-time buyers to experienced investors — we have the right loan for your situation.
Refinance
Whether you want to lower your rate, reduce your monthly payment, shorten your loan term, or access equity — refinancing with Morgan Mortgage Group is fast and straightforward. We shop your current profile against our lender network to find real savings.
Start my refinance- Rate-and-term refinance
- Cash-out refinance
- Streamline refinance (FHA / VA)
- No-appraisal options available
- Break-even analysis provided
- Clear closing timeline set up front
Home Purchase
Buying a home is one of the biggest financial decisions you'll ever make. Our loan officers will walk you through every option, get you pre-qualified quickly, and find the most competitive rate from our lender network — so you can make a strong offer with confidence.
Get pre-qualified- Pre-qualification letters issued before you shop
- Conventional, FHA, VA, and jumbo options
- Down payment as low as 3%
- Clear closing timeline set up front
- Fixed and adjustable rate options
- First-time buyer programs available
FHA Loans
Backed by the Federal Housing Administration, FHA loans are one of the most popular options for first-time homebuyers and those with less-than-perfect credit. With a low minimum down payment and flexible qualifying guidelines, homeownership may be closer than you think.
Check FHA eligibility- Down payment as low as 3.5%
- Credit scores as low as 580
- Higher debt-to-income ratios allowed
- Gift funds accepted for down payment
- 15 and 30-year fixed terms
- FHA Streamline Refinance available
VA Loans
As a thank you for your service, the VA loan benefit offers some of the best terms available in the mortgage market. We're proud to help veterans, active-duty service members, and surviving spouses take advantage of this well-earned benefit.
Check VA eligibility- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- VA Streamline (IRRRL) refinance
- No prepayment penalties
Jumbo Loans
For properties that exceed conforming loan limits, a jumbo loan is required. Our lender relationships allow us to secure competitive rates on high-balance loans that many banks won't touch.
Get a jumbo rate quote- Loan amounts up to $3M+
- As low as 10% down
- Fixed and adjustable rate options
- Primary, second home, and investment
- Interest-only options available
- Competitive rates vs. big banks
HELOC & Cash-Out Refinance
Your home is your greatest asset. A Home Equity Line of Credit (HELOC) or cash-out refinance lets you access that equity for home improvements, debt consolidation, education, or any major expense — often at rates far lower than credit cards or personal loans.
Unlock my equity- Access up to 90% of home equity
- HELOC: flexible draw and repayment
- Cash-out: lump sum at closing
- Potential tax deductibility
- Lower rates than personal loans
- Use funds for any purpose
Investment Property
Growing a real estate portfolio requires the right financing partner. Whether you're buying your first rental or your tenth, we offer a range of investment property loan programs — from conventional to DSCR loans that qualify based on rental income rather than personal income.
Finance my investment- Single-family and multi-unit (2–4)
- DSCR loans (no income docs required)
- Fix-and-flip bridge financing
- Down payment as low as 15%
- Cash-out on existing rentals
- LLC / entity vesting available
Non-QM Loans
Non-qualified mortgages are for borrowers whose income is real but doesn't fit conventional underwriting — business owners, contractors, commission earners, and investors. Qualification can be based on bank statements, assets, or rental income instead of tax returns and W-2s.
See if I qualify- Bank statement income programs
- Asset depletion / asset qualification
- DSCR qualification on rental income
- 1099 and self-employed borrowers
- Options after a past credit event
- Primary, second home, and investment
Private Equity Lending
Private-money financing is asset-based: the decision rests mainly on the property and the equity in it rather than on lengthy income documentation. It suits short-term needs — bridging between properties, funding a project, or moving quickly on an opportunity — and is typically refinanced into longer-term financing later.
Discuss my scenario- Asset-based, equity-driven underwriting
- Bridge and short-term financing
- Purchase, refinance, and cash-out
- Residential and investment property
- Faster timelines than conventional
- An exit strategy planned from day one
Reverse Mortgage
A reverse mortgage allows homeowners aged 62 or older to convert a portion of their home equity into tax-free funds — with no required monthly mortgage payments. It's a powerful retirement planning tool when used correctly, and we'll make sure you understand every detail before deciding.
Learn more- Available to homeowners 62+
- No required monthly mortgage payments
- Tax-free proceeds
- Lump sum, line of credit, or monthly payments
- FHA-insured HECM program
- Retain home ownership and title
Not sure which loan is right for you?
Tell us your situation and we'll recommend the best option — no obligation, no credit check to get started.
Talk to a loan officer