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info@monumentmortgage.com

Available Products

At Monument Mortgage, we offer a wide range of loan programs to meet the unique needs of our clients. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance, we provide flexible financing solutions at competitive rates.

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CONVENTIONAL LOANS

✔ Low down payment options
✔ Fixed and adjustable-rate mortgages (ARM)
✔ Ideal for primary residences, second homes, and investment properties

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Conventional Loans
1st time homebuyer programs

✔ Lender-Funded 2-1 Buydown – Lower your interest rate for the first two years, making homeownership more affordable
✔ Downpayment assistance – Available for qualified first time homebuyers, up to 2%
✔ Reduced Interest Rate Programs – Special financing options for eligible first-time buyers

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JUMBO LOANS

✔ Financing for high-value homes exceeding conforming loan limits
✔ Competitive interest rates and flexible terms

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FHA

✔ Low down payment (as little as 3.5%)
✔ More lenient credit requirements
✔ Great for first-time homebuyers

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VA LOANS

✔ No down payment required
✔ No private mortgage insurance (PMI)
✔ Competitive interest rates and flexible guidelines

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USDA Loans (for eligible rural homebuyers)

✔ No down payment required
✔ Low mortgage insurance costs
✔ Competitive fixed-rate options

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RENOVATION LOANS
(FHA 203(k) & Fannie Mae Home Style®)

✔ Finance both home purchase and renovations in one loan
✔ Ideal for fixer-uppers or home improvements

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Construction-to-Permanent Loans

✔ Finance the construction of a new home
✔ One-time closing reduces fees and simplifies financing
✔ Interest-only payments during construction phase

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Adjustable-Rate Mortgages (ARM)

✔ Lower initial interest rates for a set period
✔ Great for short-term homeowners or those expecting income growth

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NH Housing Homebuyer Programs

✔ Offering down payment assistance, competitive rates, and flexible qualification guidelines
✔ State & Local Down Payment Assistance Programs – Available for qualified first-time buyers in select areas

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Bank Statement & Non-QM Loans

✔ Ideal for self-employed borrowers
✔ Qualify using bank statements instead of tax returns

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DSCR Loans (Debt Service Coverage Ratio) – For Real Estate Investors

✔ No personal income verification required – qualification based on property’s rental income
✔ Ideal for investors looking to expand their portfolio quickly
✔ Competitive loan terms and flexible financing options

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Refinance Options

✔ Rate and term refinance for lower payments
✔ Cash-out refinancing for home improvements, debt consolidation, or major expenses

With access to 20+ lenders, we tailor loan solutions to fit your unique financial goals.
Contact us today to explore the best financing options for you!