Choices to meet nearly any need

At Gateway, you can rely on the best products and services offered by any mega-lender or public mortgage company delivered by local, caring professionals who are supported by one of the largest privately held mortgage bankers in the country.

When selecting the loan program that is best for you, Gateway Mortgage Consultants stand above others. They are experienced in helping you with the multiple loan types available and many options that can be customized to meet your specific needs. Things like discount points, down payment strategies, selecting a fixed or variable rate and the length of time to repay the loan.

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Conventional Loans

A more traditional approach to meeting your needs

  • Terms up to 30 years
  • Can provide cash for rehab and repairs
  • No upfront mortgage insurance required
  • Down payments as low as 3% (great for first-time home buyers)
  • Escrow waiver available
  • Multiple property types eligible
FHA Loans

A great way to buy your first home or accommodate special situations. Gateway is an approved FHA Lender.

  • Terms up to 30 years
  • Flexible lending guidelines
  • Loan limits vary by county and property type
  • Down payments as low as 3.5%
  • The 203k provides options for renovations and repairs
  • Multiple property types eligible
VA Loans

Extraordinary options to serve those families who served our country. Gateway is an approved VA Lender.

  • Favorable terms for Veterans
  • Terms up to 30 years
  • No monthly private mortgage insurance
  • 100% financing, no down payment needed
  • Flexible lending guidelines
  • Special provisions allowed in sales contract

Click here for important information from the Department of Veterans Affairs.

USDA Loans

Financing properties in rural areas has never been easier.

  • Designed for low to moderate income
  • 100% financing on appraised value
  • Primary residences only
  • Flexible lending guidelines
  • Low monthly private mortgage insurance
  • No reserves required

Click here to determine if your property meets USDA eligibility requirements.

Construction Loans

Our loans provide flexibility, easy closing options, and best-in-class personal service throughout the construction process.

  • Single-close construction loans
  • Primary and Investor Rehabilitation loans
  • Locks up to 360 days
  • Down payments as low as 4.5%
  • Flexible rate plans


Specialized Programs

Special situations require specialized expertise.

  • Single-close New Construction loans
  • Fannie Mae Homestyle (Rehab loan)
  • FHA 203K (Rehab loan)
  • Government-sponsored bond programs
  • ARMs (Adjustable Rate Mortgages)
  • Section 184 loans (Native American)
  • Loans $424,100+ (Jumbo)
  • HUD REO/Foreclosures

So whether you are buying your first home, building your dream home or second home, a fixer upper or even a condo, we have the right mortgage financing solution for you.

Visit our Branch and Mortgage Consultant locator, stop by one of our branches or give us a call. We stand ready to be your gateway to the perfect mortgage solution to meet all your home buying needs.

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