Whether you're buying your first home, refinancing, investing in real estate, or planning for retirement, today's mortgage market offers solutions for nearly every borrower. From Conventional, FHA, VA, and Jumbo Loans to specialized programs for medical professionals, self-employed borrowers, investors, and retirees, we're here to help you find the right financing option. Contact PeakShore Mortgage today to explore your options and get started.
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The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable Rate Mortgages (ARMs) offer lower initial rates and payments than many fixed-rate loans, providing qualified borrowers with greater purchasing power and financing flexibility for their homeownership goals.
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Temporary rate buydown options are financing strategies that reduce the interest rate on a mortgage for a specified initial period, making early payments more affordable. Here are some common types:
Conventional Loans offer competitive rates, flexible terms, and low down payment options for qualified borrowers. They are ideal for homebuyers and homeowners with solid credit, stable income, and strong financial profiles.
FHA Loans make homeownership more accessible with low down payment requirements, flexible credit guidelines, and competitive financing options. They are especially beneficial for first-time homebuyers looking to achieve their homeownership goals.
VA Loans offer eligible veterans, active-duty service members, and qualifying military families the opportunity to purchase a home with no down payment, no monthly mortgage insurance, and competitive interest rates.
Jumbo Loans provide financing for homes that exceed the 2026 conforming loan limit of $806,500 in most areas, offering qualified borrowers access to larger loan amounts, competitive terms, and flexible options for high-value properties.
DSCR Loans help real estate investors qualify based on a property's rental income rather than personal income, making it easier to acquire investment properties, generate cash flow, and build long-term wealth through real estate.
Available to homeowners age 62 and older, Reverse Mortgages allow eligible borrowers to convert home equity into tax-free funds while remaining in their homes, improving cash flow and enhancing financial flexibility during retirement.
Bank Statement Loans are designed for self-employed borrowers, allowing qualification based on cash flow and bank deposits rather than tax returns. They offer a flexible path to homeownership for entrepreneurs and business owners.
Specialized Physician Mortgage Loans help doctors, residents, fellows, and other medical professionals achieve homeownership with flexible underwriting, low down payment options, and favorable treatment of student loan debt.
