Loan Services

Discover Available Loans and Mortgages With Practical Terms

Generaciones Home Loans offer a variety of real estate financing products for your needs. We work to help you secure cost-effective loans in the most convenient way possible.


Tailor-Fit Service

We understand that everyone’s credit profile is different. That is why we offer different loans for borrowers with both high and low credit scores.

Rest easy knowing we will help you find the best loan for your needs, ensuring attentive service regardless of your financial situation.

Types of Loans


Otherwise known as a conventional mortgage, this is a type of loan that is not offered or secured by a government entity. It is guaranteed by a private lender or one of the two government-sponsored enterprises.

These companies are none other than Fannie Mae and Freddie Mac.

Federal Housing Administration

FHA loans are for borrowers who can make small down payments and meet flexible mortgage guidelines.

Under this program, current borrowers can refinance their homes without the need for property appraisal. The seller can also contribute up to 6% of the borrower’s closing costs.

Applicants with credit scores of 580 can secure this type of loan. Only a 3.5% down payment is required, but this can be given as a gift.

If you have a credit score of 500, however, you can still qualify for the loan as long as you can secure a 10% down payment.

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Veterans Affairs

This loan aims to assist our nation’s honorable military professionals in experiencing hassle-free homeownership. It is geared toward veterans, those in active duty, as well as members of the reserve corps.

It can also be granted to surviving spouses, as determined by the USVA.

The program is available for those with credit scores of 580. It can also be granted to those with scores of 500 but can secure a 10% down payment.

Once approved, 100% financing is available and no monthly mortgage insurance is charged. Seller concessions of up to 4% of the reasonable value of the property are also available.

U.S. Department of Agriculture (USDA)

This loan offers terms that are best suited for low and moderate-income borrowers. It only requires a minimum credit score of 580 and comes with little or no down payment. The program also requires no out-of-pocket costs.

While it has flexible mortgage guidelines, the loan still observes specific income and property restrictions. The property must also be located within an area designated by the USDA.

Once approved, 100% financing is available and the seller can opt to contribute up to 6% of the borrower’s closing costs.

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This mortgage is ideal for applicants who need to secure loans above $726,200. We offer different terms for borrowers interested in this type of program.


This product is for borrowers who do not expect to live in the home for a long time. The adjustable-rate mortgage is fixed for a specific period and can be adjusted thereafter. Interest rates can be fixed for 3, 5, 7, or 10 years.

Due to fluctuating interest rates, however, it is not recommended for all borrowers.

FHA 203(k) Renovation Loan

This program funds both the purchase and renovation of a home. It works by first securing the purchase of the home. Afterwards, renovation funds are held in escrow to pay for the work done by approved contractors.


Non-Qualified Mortgage

This loan allows self-employed individuals and first-time investors to secure a loan without much stress or hassle. It is designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage.

Borrowers do not need to submit the necessary documentation required by traditional mortgages. We only need to see your 1099 Form as well as your bank statements from the past 12 or 24 months.

There is also no debt-to-income ratio (DTI) required since it is collateral-based.

Once the mortgage is approved, borrowers can get terms of 30 or 40 years. It is important, however, to note that interests may be higher for this type of mortgage.

Here Are Your Refinancing Options


Lower Monthly Payment

Benefit from our historically low rates! With lower loan payment options, you’ll be secure even during uncertain times.

Good for:

Extra Monthly Money
Retirement Savings!

Reduce My Payment


Get Cash Out

Take advantage of the increased value of your home. You can use its equity to get cash out for your other needs.

Good for:

Home Improvement
Paying High-Interest Debt

Use My Equity


Shorten Your Loan Term

With our rates on 15-year mortgages, you can pay the same fees but with shorter pay-off years.

Good for:

Lower Money Towards Interest
Paying Off the Home Sooner!

Shorten My Term

Request Our Services

For more information on our available loans, reach out to us today.