Our team provides a variety of options designed to meet your borrowers’ needs, ensuring a smooth and seamless mortgage experience.
SFMC Home Lending offers the products needed to best serve your borrowers.
Additionally, we have the capability to sell directly to Fannie Mae, Freddie Mac, and Ginnie Mae.
Rate Protection Plan
We know today’s housing market can be unpredictable. With our new Rate Protection Plan, your borrower can buy with confidence that they will end up with the best possible rate! When they purchase their new home today, we will lower their rate if rates drop.
Certified Buyer
Our Certified Buyer Program gives your borrower an advantage over other potential buyers and makes their offer as good as cash – with no finance contingency. As a Certified Buyer, they will get their loan approved with Service First before making an offer making them stand out amongst other offers.
One Time Close
The Borrower's first payment does not begin until construction is complete. After the loan closes, credit docs and appraisals have no expiration, and requalification is unnecessary once construction is complete. The Builder or Retailer may receive staged funded draws based on the percentage of completion.
-FHA: up to 96.5% LTV financing allowed
-USDA & VA: up to 100% LTV financing allowed
-Only one closing and its prior to the start of construction
Down Payment Assistance
TSAHC, TDHCA, Essex, and other county specific programs.
-100% CLTV with No income limits
-600 Min Fico
-45 DTI Max
Conventional
Traditional loans for qualified buyers Fannie Mae and Freddie Mac direct seller servicer.
Government
FHA, USDA, and VA – funded, sold, and serviced directly with Ginnie Mae direct seller/servicer. Experience streamlined process and unmated control.
New Construction
We offer a range of loans for individuals including lot, bridge, and single or two-time close construction loans. For developers and builders, we provide financing for land, acquisition development bridges, and construction projects.
Renovation
Multiple options to help finance the cost of repairs and improvements. FHA 203K Fannie Mae home-style renovation, VA Renovation, Cash-out Refinance options.
Jumbo
Focused on high-limit financing options for properties exceeding conforming limits loan amounts up to 6 million. Portfolio lending, super jumbo, and custom solutions.
Land Loans
Option provides financing for clients looking to purchase land, whether for future construction or as a stand-alone investment.
Portfolio/Non-QM
Bank statement loans, DSCR, asset depletion, foreign national, ITIN, bridge, investor cash flow non-warrantable condos, and many more.
SMFC Home Lending | NMLS #166487