Looking for just the flexible terms home loan programs in USA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular Flexible Terms Loan Programs
Check out the most popular flexible terms loan programs in USA
Conventional Purchase Loan
Most PopularBest For: Flexible Terms, Lowest Rates, Savvy Investors
Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$806,500
97% LTV Conventional Refinance
Most PopularBest For: Flexible Terms, Rate Reduction
Fannie Mae's 97% LTV Refinance allows for high loan to value ratios—so those with limited equity can refinance to a lower rate or different term.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$806,500
Flexible Terms Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to USA:
Conventional Purchase Loan
Best For: Flexible Terms, Lowest Rates, Savvy Investors
Meet the most popular mortgage program. Flexible financing offering a wide range of attractive benefits to qualified homebuyers across the US.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$806,500
Homes for Iowans FHA Program
Best For: Flexible Terms, First Time Homebuyers, Rate Reduction, Low Credit Scores, Lowest Rates, Easy Process
Affordable FHA loans with down payment assistance for Iowa homebuyers.
Min. Credit Score
640
Min. Down Payment
3.5%
Max. Loan Amount
$472,030
Special Programs for Flexible Terms
These additional loan programs available in USA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
Miami-Dade HFA Advantage Conventional Loan
Best For: Flexible Terms, First Time Homebuyers, Easy Qualification
Low down payment options and flexible terms for 1st time and established home buyers
Min. Credit Score
640
Min. Down Payment
3%
Max. Loan Amount
$382,194
OHCS Rate Advantage Conventional Loan
Best For: Flexible Terms, First Time Homebuyers, Low Credit Scores, Lowest Rates
Oregon Housing Conventional program for first time homebuyers featuring below market interest rates and no mortgage insurance.
Min. Credit Score
620
Min. Down Payment
20%
Max. Loan Amount
$726,200
OHCS Rate Advantage Conventional Loan Targeted
Best For: Flexible Terms, First Time Homebuyers, Low Credit Scores, Lowest Rates
Oregon Housing Conventional program for targeted areas for first time homebuyers featuring below market interest rates and no mortgage insurance.
Min. Credit Score
620
Min. Down Payment
20%
Max. Loan Amount
$726,200
ODVA Oregon Veteran Home Loan
Best For: Flexible Terms, Large Loan Amounts
The ODVA Oregon Veteran (ORVET) Home Loan Program for veterans and active-duty military offers low-interest home loans across the state.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$806,500
Angel Oak - Portfolio Select Mortgage Loan
Best For: Flexible Terms, Low Credit Scores, Cash-Out
Portfolio Select loans from $125k - $2.5 Million.
Min. Credit Score
660
Min. Down Payment
15%
Max. Loan Amount
$2,500,000
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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