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Gearhart Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry in order to offer our clients the best loan products on the market.
 
Conforming Loans
Jumbo Loans
USDA Rural Housing
VA
Many other products to choose from

Conforming Loans

Conforming loan products are offered at a maximum loan size of $417,000.  These loans are offered at a maximum loan to value of 97%.  Loans are offered in the form of a fixed or adjustable rate with 30, 25, 20, 15, and 10 year amortizations.  There is also available an interest only option.  First mortgage loans with a less than 20% down payment will require mortgage insurance (several mortgage insurance options available). 

Competitive Rates and Fees!

Term: 30 years   Maximum Amount: $417,000

Jumbo Loans

Jumbo loan products are offered at a minimum loan size of $417,001.  These loans are offered at a maximum loan to value of 80%.  Loans are offered in the form of a fixed or adjustable rate with 30, 25, 20, 15, and 10 year amortizations.  There is also available an interest only option. 

Competitive Rates and Fees!

Term: 30 years   Maximum Amount: $2,500,000

USDA Rural Housing
  • 102% Financing based on appraised value, if appraised value exceeds sales price, borrower can finance closing costs!
  • .40% Annual Mortgage Insurance
  • No asset requirements
  • Unlimited seller concessions and 100% gifting is allowed
  • Competitive Rates and Fees!


Term: 30 years   Maximum Amount: $417,000
 
 

VA

The Veteran's Administration loan program enables veterans and active duty personnel to puchase or refinance (including cash-out refinance) a home with favorable loan terms.  VA offers fixed and adjustable rate mortgages that can accommodate no down payment on many purchase transactions.

Competitive Rates and Fees!

Term: 30 years   Maximum Amount: $417,000

Many other products to choose from

We offer many other specialty products for those who are in unique situations.  Call us today for a detailed analysis on your financing needs.   We offer VERY competitive rates and fees!