What is a Conventional Loan?

A conventional mortgage loan is a conforming loan that meets the requirements set by Fannie Mae or Freddie Mac. These loans typically require stronger credit and a larger down payment but offer competitive rates for qualified buyers.

Who is eligible for a VA Loan?

VA loans are available to Service members, Veterans, and eligible surviving spouses. The VA guarantees a portion of the loan, enabling lenders to provide more favorable terms — including no down payment requirement.

What is a Home Loan Refinance?

A home loan refinance replaces your current mortgage with a new one. A rate-and-term refinance gives you a new interest rate and/or loan term. A cash-out refinance replaces your mortgage with a larger loan so you can receive the difference in cash — useful for home improvements, debt consolidation, or other financial goals.

Can I get a home loan if I am self-employed?

Yes. Self-employed borrowers can qualify for a home loan by documenting income stability, the nature of their self-employment, the financial strength of their business, and their ability to repay the loan. Hilltop Home Loans specializes in helping self-employed clients navigate this process.

What is a Jumbo Loan?

A jumbo loan is a mortgage used to finance properties too expensive for a conventional conforming loan. In most counties, the conforming loan limit is $647,200 as determined by the Federal Housing Finance Agency. Jumbo loans cover amounts above this threshold.

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Q: What is an FHA Loan and who qualifies?

FHA loans are backed by the US Government. They traditionally offer lower interest rates and require only a 3.5% down payment. FHA loans have less stringent credit guidelines compared to conventional mortgages, making them a great option for first-time homebuyers or those with less-than-perfect credit.

With multiple wholesale mortgage lenders and programs to choose from, let our team find the best rate and program to fit your particular home loan need.

Empower Clients

Hilltop Home Loans

Hilltop Home Loans empowers clients to fulfill the dream of homeownership by offering competitive pricing, the best product to fit individual needs, and our pledge to provide a prompt and efficient closing. As a mortgage broker, we are in a unique position to partner with multiple, highly rated lenders to secure our clients a variety of competitive rates and programs. Whether our clients want to purchase a first home, upgrade to a dream home, or refinance a current home, we can help. In every step of the homeownership process our clients’ needs and goals are our focus as we listen to create the best strategy for achieving them.

Home Loan Types

Conventional Loans

A conventional mortgage loan is a “conforming” loan (it meets the requirements for Fannie Mae or Freddie Mac). Fannie Mae and Freddie Mac are government sponsored operations that buy mortgages from lenders and sell them…

FHA Loans

FHA loans are backed by the US Government. The interest rates are traditionally lower, and you only need a 3.5% down payment. FHA loans have less stringent credit guidelines compared to conventional mortgages…

VA Loans

VA helps Service members, Veterans, and eligible surviving spouses become homeowners. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. No downpayment is required…

Home Loan Refinance

With a rate-and-term refinance, the current mortgage is replaced with a new interest rate and term length. With a cash-out refinance, the current mortgage is replaced with a loan larger than what is left to pay on the home, so the surplus can be received in cash.

Self Employed Home Loans

To be eligible for a home loan while self-employed you will be asked to document the following: Income stability, the location and nature of your self-employment, the financial strength of your business, and the ability of your business…

Jumbo Loans

When a property is too expensive for a conventional conforming loan, a jumbo loan is a mortgage used to finance it. In most counties, the maximum amount for a conforming loan is $647,200 , as determined by the Federal Housing Finance…

Testimonials

What our clients say...

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Aaron Callahan made it great! Excellent A+ service, Aaron was there with every step of the way. I had zero worries, Aaron really makes you feel like you are his only client, responsive, attentive all around an excellent experience.