Our Programs
Your story is unique and so are our programs.
Which option is right for you?
At First Team Lending, for each of the programs below, we do the shopping for you, the client!
We compare rates/fees with dozens of reputable lenders to determine the best program based off the client’s specific situation.
Conventional
Excellent pricing, low down payment options and average closing is under 15 days! For purchases this program gives you strong negotiating power and helps get your offer accepted! First time home-buyer options. Reach out to see if you qualify for the below incentives:
-2% Grant
-1% down
-Lender paid 2% rate buydown
FHA
Low down payment options and no pricing adjustments no matter what your credit score is! First time home-buyer options.
VA
Best for Veterans! At First Team Lending, words can not describe the gratitude we have for all the men and women who serve and have served in the U.S. Military. To show thanks, we offer some of the lowest rates on the market while not requiring mortgage insurance or a down payment and still having little to no fees! First time home-buyer options.
Bank Statement Loans
Best for: Self employed clients - no tax returns required!
Non-Warrantable Condo Loan
Benefits: When a condo is labeled as non-warrantable, it means that it does not meet Conventional/FHA guidelines and most lenders do not offer financing. We do! Contact us to find out if the condo you own or are interested in, is considered non-warrantable.
No Down Payment Loans
Benefits: This loan speaks for itself! Contact us to learn more about our multiple no down payment options!
Asset Utilization Loan
Best for: Clients who have little to no income! We can qualify you based off your assets!
“The smoothest transaction ever and I've closed on many homes in the past, 5 days start to finish done”
— Shawn A.