Loan programs

The loan that fits you.

Every borrower is different. From first-time buyers to seasoned investors, BMG offers a complete menu of mortgage programs — paired with the personal guidance to help you pick the right one.

Explore programs

A program for every path home.

Not sure which one is right? Talk to a loan officer — we'll match you to the program that fits your goals, timeline, and budget.

Most popular

Conventional

The classic 30 or 15-year fixed (or ARM) loan backed by Fannie Mae and Freddie Mac.

  • As little as 3% down
  • Avoid PMI at 20% equity
  • Flexible terms & fixed rates
Best for: Buyers with solid credit looking for the lowest long-term cost.
Apply for Conventional
Low down payment

FHA

Government-insured loans designed to make homeownership more accessible.

  • Down payments from 3.5%
  • Credit scores from 580
  • Gift funds allowed
Best for: First-time buyers or anyone rebuilding their credit profile.
Apply for FHA
$0 down

VA

Exclusive benefits for active-duty service members, veterans, and eligible spouses.

  • No down payment required
  • No monthly mortgage insurance
  • Competitive fixed rates
Best for: Active duty, veterans, and qualifying military families.
Apply for VA
$0 down

USDA

100% financing for homes in eligible rural and many suburban communities.

  • No down payment
  • Reduced mortgage insurance
  • Income-based eligibility
Best for: Moderate-income buyers in qualifying USDA-eligible areas.
Apply for USDA
High balance

Jumbo

Financing above conforming limits — for higher-priced homes in any market.

  • Loan amounts above $806,500
  • Fixed & ARM options
  • Up to 90% LTV available
Best for: Buyers purchasing luxury, urban, or high-cost market homes.
Apply for Jumbo
First-time buyer

First-Time Buyer

Curated programs and down-payment assistance for buying your first home.

  • DPA programs by state
  • Education + guidance
  • Pairs with FHA, Conv, VA
Best for: Anyone buying their first home and looking for the easiest path in.
Apply for First-Time Buyer
Refinance

Rate & Term Refinance

Lower your monthly payment, shorten your term, or drop mortgage insurance.

  • Lock a lower fixed rate
  • Move from ARM to Fixed
  • Remove PMI / MIP
Best for: Homeowners with at least some equity who want to save monthly.
Apply for Rate & Term Refinance
Refinance

Cash-Out Refinance

Turn your home's equity into cash for renovations, debt consolidation, or goals.

  • Up to 80% LTV
  • Fixed-rate stability
  • One simple monthly payment
Best for: Homeowners with built-up equity tackling a big expense or paying down debt.
Apply for Cash-Out Refinance
Tap equity

HELOC

A revolving line of credit secured by your home — only pay interest on what you use.

  • Draw funds as needed
  • Interest-only options
  • Keep your 1st mortgage
Best for: Homeowners who want ongoing access to equity without refinancing.
Apply for HELOC
Non-QM

Bank Statement

Qualify using 12–24 months of bank statements instead of tax returns.

  • Self-employed friendly
  • No tax returns required
  • Flexible underwriting
Best for: Self-employed borrowers and business owners with variable income.
Apply for Bank Statement
Investor

DSCR / Investment

Qualify based on the property's rental income — no personal income docs.

  • No personal DTI
  • 1–8 unit properties
  • LLC vesting available
Best for: Real estate investors scaling a rental portfolio.
Apply for DSCR / Investment
Build & renovate

Construction & Renovation

Finance new construction or fold renovation costs into a single mortgage.

  • One-time close options
  • 203(k) renovation loans
  • Custom-build draws
Best for: Buyers building new or renovating a fixer-upper into their dream home.
Apply for Construction & Renovation
3%
Min. down payment, conventional
$0
Down payment on VA & USDA
580+
Min. FICO on FHA loans
AZ
Licensed in Arizona
Why BMG

More programs. More guidance. Less guesswork.

One team, every program

Conventional, government, jumbo, non-QM, investor — under one roof. No bouncing between lenders.

Honest pre-qualification

We tell you what you actually qualify for and which program saves you the most over time.

Built for speed

Digital application, in-house underwriting, and a team that closes on the dates you commit to.

Ready when you are

Not sure which program fits? Let's figure it out together.

Answer a few quick questions and a BMG loan officer will match you to the program — and the rate — that makes the most sense.