Specialty Mortgage Financing
Choose from a variety of mortgage solutions for whatever your specialty needs may be.
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Your Home, Your Way: Specialty Mortgage Financing
At First Heritage Mortgage, we believe your financial situation and mortgage needs are unique — just like the home you seek. That’s why we’re proud to offer an ever-growing suite of specialty mortgage programs. With bridge loans, non-warrantable condo loans, and second mortgage loans, we’ve got your financial solutions covered.
Bridge Loans
Timing the sale of one home and the purchase of another can be tricky, but with a bridge loan, you don’t have to miss a beat. This specialty short-term financing solution allows you to buy your next property before selling your current one — a common need in today’s fast-paced market.
While bridge loans are designed for short repayment periods of 1-3 years, the advantages are significant. You can make a strong, non-contingent offer to beat out competitors. You’ll also have the flexibility to negotiate and wait for the right buyer rather than feeling pressured to accept a lowball offer.
As an experienced bridge loan mortgage lender, we’re ready to guide you through every step, from underwriting to navigating carrying two mortgages.
Learn MoreNon-Warrantable Condo Loans
Finding financing for a non-warrantable condo can be an uphill battle with conventional lenders. These properties often fail to meet strict guidelines around factors like occupancy ratios, HOA control, new construction status, and more.
As a leading non-warrantable condo mortgage lender, we specialize in creative solutions that can make your condo dream a reality. Our extensive product menu includes options like bank statement loans for self-employed borrowers, asset depletion loans, jumbo non-warrantable loans, and investor property loans.
While non-warrantable condo loans typically require higher down payments and credit score benchmarks, our in-house underwriters take a personalized approach. We evaluate each condo association individually, often approving loans others won’t.
Learn MoreSecond Mortgage Loans
Your home’s equity represents a powerful financial resource. With our specialty second mortgage loans, you can tap into that investment to fund major expenses, consolidate debt, pursue investment opportunities, and more.
We offer both home equity loans and home equity line of credit (HELOC) options, each with unique advantages. Home equity loans provide a lump sum with the stability of fixed repayment terms. HELOCs offer revolving access to funds, functioning like a credit card secured by your property.
As an experienced second home mortgage lender, we’ll walk you through the benefits, risks, and tax implications of using this specialty financing. Our priority is helping you leverage your real estate investment wisely while protecting your long-term net worth.
Learn MoreYour Homeownership Partner
No matter your situation as a buyer, owner, or investor, our specialty mortgage financing lender team is here to clear the path toward your real estate goals. From our deep expertise to our exceptional service, you can count on us for an honest, transparent mortgage process.
Your home should be a source of pride and opportunity — never an obstacle. Contact us today to get started.
Ready? Let’s get started.
Get in touch with our team of specialty mortgage loan experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.