Your Perfect Home Loan
Types of Mortgages
We offer a wide variety of great mortgage options, and we can match you with the best possible mortgage based on your individual needs and financial situation. In the end, you’ll get the perfect home loan with the lowest interest rate possible.
Type of Mortgages
Explore Our Mortage Option
Loan Type
15 Year Conventional
Benefits
Lower interest rates than a 30-year mortgage, faster equity buildup, and greater overall interest savings over the life of the loan. Down payment options as low as 3%. No upfront funding fee.
Best Suited For
Borrowers who can afford a higher monthly payment and who want to pay off their mortgage faster and obtain the lowest interest rate possible.
Loan Type
30 Year Conventional
Benefits
Competitive interest rates. Lower monthly payment than a 15-year mortgage. Down payment options as low as 3%. No upfront funding fee.
Best Suited For
Borrowers with good credit who don't want the higher monthly payment of a 15 year mortgage but still want a competitive interest rate.
Loan Type
FHA
Benefits
Easier income and credit requirements. Down payment options as low as 3.5%. Competitive interest rates even with less than perfect credit.
Best Suited For
Borrowers with less than perfect credit who still want a competitive interest rate. Borrowers looking for a little extra purchasing power due to less restrictive debt-to-income requirements.
Loan Type
VA
Benefits
No down payment required. No monthly mortgage insurance even with less than 20% down. Low interest rates.
Best Suited For
Borrowers who are active-duty military, veterans, or their families who want a no money down loan option with low interest rates and no mortgage insurance.
Loan Type
USDA
Benefits
No down payment required. Flexible credit requirements. Low interest rates.
Best Suited For
Borrowers planning to purchase a home in a rural area and who have low to moderate income. Property must be located in an eligible USDA area.
Loan Type
Jumbo
Benefits
Higher loan limits which allow borrowers to purchase more expensive properties. No upfront funding fee.
Best Suited For
Borrowers looking to purchase high-value properties that exceed conventional loan limits, typically with good credit and financial stability.
Loan Type
Non QM
Benefits
More flexible lending criteria, allowing for alternative income documentation, non-traditional credit histories, or unique financial situations.
Best Suited For
Self-employed borrowers, borrowers with irregular income, or those with unique financial circumstances that don't fit traditional mortgage criteria.
Interest Rate Quote!
We offer some of the lowest mortgage rates on the market. Find out just how low of a rate you can get with a custom rate quote today. Only takes a minute!
Client Testimonials
I am happy to wholeheartedly recommend Shay Wright with Home Financing Direct! He answered all of my questions and gave quality mortgage lending advice to my family. I would absolutely use Shay’s services again and have no hesitation recommending him!
I worked with Shay Wright to buy my first home and he was genuinely awesome. Shay was great at answering everything I asked and explaining to me how things worked. I shopped around a little for rates and these guys were able to provide me with the best ones.
I recently refinanced with Home Financing Direct. The whole process was great! No surprises, great transparency, and a very simple process from start to finish. I was able to quickly secure a new home loan at an amazing rate! I would definitely work with them again.
Shay has been excellent in working with me right from the beginning. I felt he didn’t look my refinance as another file but took personal interest in advising me the best route. He also locked me on excellent rate where corporate banks were about 0.6 percent higher.
Very Professional, Shay Wright got me the best deal, I would highly recommend. I was stress free throughout the whole process and whenever I had a question he would respond right away. He is very knowledgeable and really knows what he is doing. I value his kindness, honesty, and hard work!
Shay Wright worked with us to qualify for a mortgage, gave us a great rate and was helpful from start to finish. Shay was available to give guidance and to answer questions, even during evenings and on weekends. I highly recommend you consider working with Shay.
Shay is so professional and responsive, he answered all my questions with patient in detail. Rates that he is offering are so competitive. He is the key to my recent real estate transactions.
I was impressed with the professional and responsive communication, which made the whole process painless. We locked in a great rate quickly and Shay kept us informed ever step of the way. Better rates without all the headaches!
We had a very positive experience with Home Financing Direct. Our representative, Shay Wright, was the best we could have asked for. He was very informative and helpful throughout the entire process. I’d highly recommend Shay to anyone looking for home financing.
Shay was a pleasure to work with! He was professional and responsive, and I felt like he did a great job communicating. He proactively communicated about every step of the process, and was fast to answer any questions. Highly recommend working with Shay @ Home Financing Direct!
Had a great experience with Shay. He was always responsive and answered any questions I had. I was very happy with the process and got it done in my required timeline. All paperwork was submitted electronically using secure portals. All very professional and safe. I got a really good interest rate to boot.
I had multiple pre-qualification letters from several lenders but specifically wanted to work with Shay because of his responsiveness and low closing costs. He was extremely patient throughout the process and truly had our best interest. I will be working with Shay again in the near future. thanks for all your help!
We just closed on a refinance with Shay Wright, in under 15 days for an immaculate rate w/o buying points. Also as a plus the closing costs were low. Shay was the epitome of a professional and would recommend him to anyone looking for a Refi or to buy a home.
Amazing communication and fastest loan process ever! I've gone through a few home mortgages in my life and this was by far the fastest. Even more amazing was the speed during Covid-19. I have friends that were going through loans/refi's that were taking 6+ weeks. Mine was literally closed within 2 weeks! Highly recommend
Thanks so much Carol! It was a pleasure working with you as well, and I really appreciate how responsive you were when I needed a document from you. That was very helpful. I hope y'all enjoy your new home, and I look forward to hopefully working together sometime again in the future!