Loan Programs

Expert Mortgage Advice, Personalized Solutions

At Tatum Mortgage, we understand that finding the right loan program can make all the difference in your home-buying journey. From conventional loans to FHA, VA, and refinance loans, we are committed to helping you achieve your dream of homeownership or lowering your monthly payments through refinancing.

Guiding You Through Every Step

Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our experienced team is here to guide you through the process. Use our online mortgage calculators to estimate payments and compare loan terms.

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Loan Programs:

Standard Programs

FHA Loans: Government-backed loans with a minimum down payment of 3.5% and
VA Loans: No down payment loans for eligible veterans and active-duty military, with no private mortgage insurance (PMI) required.
USDA Loans: 100% financing for rural and suburban homebuyers with no down payment and competitive interest rates.
Conventional Loans: Fixed or adjustable-rate loans with a minimum down payment of 3% for qualified buyers; loan limits vary by area.
Jumbo Loans: Financing for loan amounts exceeding conforming limits, often used for luxury homes or high-cost areas.

Loan Programs

HELOC (Home Equity Line of Credit): Access up to 70% of your home’s equity, with flexible draw periods and no need for tax returns.
No Income Documentation Loans (Bank Statement Loans): Qualify based on personal or business bank statements instead of traditional income verification.
DSCR Investment Loans: Designed for real estate investors, qualifying based on the property’s cash flow (Debt Service Coverage Ratio) rather than personal income.
Construction Loans: One-time close loans for financing new home construction, with a single approval and closing process.
Commercial Loans: Tailored financing options for commercial real estate purchases or refinances, with flexible terms and requirements.
Hard Money Loans: Short-term financing for real estate investments, based on property value rather than borrower’s credit.