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Atlantic Financial Mortgage – Product Menu


  • Traditional Mortgage Programs

    Conforming Mortgage

    Conforming Mortgages (Conventional Mortgages) are offered by Fannie Mae and Freddie Mac. The vast majority of all mortgages written today are purchased by these big investors. Their products have been called the “plain vanilla” offering by the industry.

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    Jumbo Mortgage

    Jumbo Mortgages are home loans that exceed conforming loan limits. Jumbo Mortgage loans give borrowers access to higher loan limits, but they also have tougher underwriting requirements and can cost more than conventional loans.

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    FHA Mortgage

    An FHA mortgage is a government-backed home loan with more flexible lending requirements than those for conventional loans. The qualifying guidelines are typically more lax than the conventional guidelines. One key feature of FHA loans is their lower down payment requirement.

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    VA Mortgage

    VA Mortgage loans are home mortgages backed by the Department of Veterans Affairs (VA). With a VA Mortgage loan, eligible service members and veterans can buy a home with little or no down payment, or refinance an existing home to get cash out or a lower monthly payment.

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    USDA Loans

    These loans can be used for a new or existing property located in an eligible area, and rehab, repairs, and closings costs can often be rolled into the loan.  In addition, funds can be allotted toward handicap equipment installation, some real estate taxes, and hazard/flood insurance.  Energy efficiency costs (e.g. insulation, double-paned glass and solar panels) and broadband service installations can be funded as well.

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    First Time Home Buyer Mortgage

    While a person who has never owned a home before certainly counts as a first-time home buyer, those who have owned a home before can also qualify as first-time home buyers under certain circumstances.

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    Reverse Mortgage

    A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments (excluding taxes and insurance).

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  • Specialized Mortgage Programs

    2nd Home Mortgage

    2nd Home Mortgage loans have more specific requirements on qualification guidelines and additional requirements around documentation. The main qualifications that a lender will review in order to make their lending decision still remains to be the estimation of your debt-to-income ratio.

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    Investment Properties Mortgage

    Investment Property mortgage loans provide financial and personal benefits including rental opportunities, additional revenue streams and potential tax benefits.

    Whether your Investment Property Mortgage is a single family home, townhome, condominium, or a multi-family dwelling, here are some items to consider when purchasing an Investment Property…

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    Self Employed Borrower Mortgage

    Any individual who has a 25% or greater ownership interest in a business is considered to be self-employed.

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