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Loan Programs

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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Loan Program Options

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FHA Home Loan

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
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USDA Loans

A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.
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Jumbo Loans

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
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Conventional MORTGAGE

"Conventional mortgage" or "conventional loan" is a term you'll always encounter when shopping for a mortgage. After all, this common mortgage type is provided by most lenders.


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REHAB LOAN

Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!
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LOW DOWN 
PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.
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INVESTMENT PROPERTY LOANS

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
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REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.
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15-Year Fixed Rate 
Mortgage

Unlike adjustable-rate mortgages, where interest rates can fluctuate, a 15-year fixed-rate mortgage ensures your interest rate remains steady throughout the life of the loan. 
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30-Year Fixed Rate 
Mortgage

It's not just a financial instrument; it's a key that opens the doors to the place you call home. Let's look at this mortgage option and discover how it can turn your dream into reality.
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203K Loans On The 
Cheap

203K Loans are a unique financing option backed by the Federal Housing Administration (FHA) that enables homebuyers and homeowners to roll renovation costs into their mortgages.
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REVERSE MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.
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FIRST-TIME HOME BUYERS

Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.
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Lower Credit Scores

Understanding your credit score's impact on your home-buying journey is crucial, especially in today's competitive real estate market

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NON-QM Loans

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1099 
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.
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Bank Statement 
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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Debt Service Coverage
Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
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Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.
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Superior Home Loans LLC

Superior Home Loans based in Belleville, IL offers a personalized and distinctive approach to mortgages, combining human-driven insights with technical expertise to create a perfect hybrid. Our lending solutions are designed to expedite loan processing, delivering faster results while substantially reducing costs.

Phone

(618) 239-3800

E-mail

joshp@superiormortgage.cc

Address

301 West A
Belleville, IL 62298

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State of Illinois Community Reinvestment Notice
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department
Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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