Conventional Loans
Ideal for buyers with good credit and stable income. Conventional loans offer competitive interest rates, flexible terms, and lower monthly mortgage insurance—making them a popular choice for many homebuyers.

Jumbo Loans
If you’re purchasing a high-value property that exceeds conforming loan limits, a Jumbo Loan helps finance luxury homes with attractive rates and flexible down payment options.

Bridge Loans
Need to buy your next home before selling the current one? Bridge loans provide short-term financing, covering the gap and easing the transition between properties.

Down Payment Assistance
Local and state programs can lower or cover your down payment, making homeownership more accessible. Perfect for first-time buyers or anyone needing extra financial support to close the deal.

Renovation Loans
Fund home improvements and repairs by rolling remodeling costs into one convenient mortgage. Renovation loans boost your property’s value without a separate loan or higher-interest credit cards. Renovation Purchase Loans finance the purchase of the property and the renovations!

Construction Loans
Building your dream home from the ground up? Construction loans offer flexible terms and can convert into a permanent mortgage once the home is complete—streamlining the financing process.

FHA Loans
Backed by the Federal Housing Administration, FHA loans feature lower credit score requirements and smaller down payments, making them a solid choice for first-time buyers or those with limited funds.

VA Loans
Available to eligible veterans, service members, and surviving spouses, VA loans often require no down payment and offer competitive rates, thanks to government backing.

Rural Development Loans
Also known as USDA loans, these zero-to-low down payment options are geared toward buyers in eligible rural areas, offering below-market interest rates for qualified borrowers.

Home Equity Loans
Tap into the equity you’ve built in your home with a lump-sum loan at a fixed rate. This option is great for major expenses like education, home improvements, or debt consolidation.

HELOC (Home Equity Line of Credit)
Gain ongoing access to funds using the equity in your home. A HELOC lets you borrow only what you need, when you need it, and pay interest only on the amount used.

Investment Property Loans
Build wealth through real estate investing. Finance single-family homes, multi-unit properties, or condos with specialized loan programs designed for rental and investment strategies.

Second Home / Vacation Home Loans
Looking for a getaway? Second-home loans offer competitive interest rates and flexible terms. Enjoy your vacation property while building equity in another piece of real estate.

Manufactured Home Loans
We offer financing for both single-wide and double-wide manufactured homes. Enjoy affordable housing options and flexible lending terms to fit your budget and lifestyle.

Bank Statement Loans
For borrowers with non-traditional income sources, bank statement loans allow you to qualify using personal or business bank deposits—an excellent solution for entrepreneurs and freelancers.

Self-Employed Borrower Programs
Don’t let complex tax returns or inconsistent income streams stand in the way. Our self-employed mortgage solutions are tailored to fit unique cash flow and documentation needs.

Condo Financing
Condos can have special financing rules. We’ll guide you through condo loan requirements and find flexible mortgage solutions that help you close quickly and confidently.

Choose the loan type that’s right for you and enjoy expert guidance from Kirby and Angie and our Arch Mortgage -North team every step of the way. Let us simplify the mortgage process so you can move forward with confidence.