Loan Programs

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Learn More about our Programs

Welcome to the Mortgage Programs Section at AG Lending LLC!

At AG Lending LLC, we understand that finding the right mortgage program can be a daunting task. Whether you're a first-time homebuyer or a seasoned homeowner looking to refinance, we are here to simplify the process and help you make the best financial decisions for your needs. Our Mortgage Programs Section provides valuable information about the various mortgage options available to you.


Conventional loans are a popular choice for homebuyers and homeowners refinancing. They offer flexibility with various terms, including fixed and adjustable rates. Some lenders accept down payments as low as 3% for qualified buyers. However, if the down payment is less than 20%, private mortgage insurance (PMI) is typically required. Credit score requirements are generally stricter but can lead to better rates and terms.

Non-QM Mortgage Programs

Non-QM (Non-Qualified Mortgage) programs are a category of mortgage loans that don't meet the stringent criteria set by the Consumer Financial Protection Bureau (CFPB) for Qualified Mortgages (QM). Unlike traditional mortgages, which follow strict guidelines regarding borrower's income, credit score, and debt-to-income ratios, Non-QM loans offer more flexible options for borrowers who may not fit within the standard QM criteria.

These types of mortgages are designed to accommodate borrowers with unique financial situations, such as self-employed individuals, retirees, foreign nationals, and those with complex income streams. Additionally, Non-QM loans may be suitable for borrowers who experienced past credit issues but have since demonstrated financial stability and responsible financial behavior.

First-Time Homebuyer Programs

We offer specialized programs and guidance for first-time homebuyers to make the process smoother and less overwhelming. Our team will assist you in understanding the available incentives, grants, and down payment assistance programs to help you achieve your homeownership goals.

At AG Lending LLC, our experienced mortgage advisors are ready to assist you in exploring these mortgage programs and finding the best fit for your unique situation. We aim to empower you with the knowledge and resources necessary to make informed decisions about your mortgage, ensuring a seamless and gratifying home-buying or refinancing experience.

Please don't hesitate to reach out to us for personalized guidance and to learn more about the mortgage programs we offer. Your dream home is just a step away with the right mortgage program!

FHA (Federal Housing Administration) Loans

Backed by the FHA, these loans are designed to help first-time homebuyers and those with lower credit scores or limited down payment funds. FHA loans offer more lenient qualification requirements and competitive interest rates, making homeownership more accessible. 

Jumbo Mortgages

If you're seeking a higher loan amount that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, a jumbo mortgage might be the right choice. Jumbo mortgages cater to luxury home purchases and properties in high-cost areas.

VA (Veterans Affairs) Loans

Available exclusively to eligible veterans, active-duty service members, and surviving spouses, VA loans provide a range of benefits, including zero or low down payment options and no private mortgage insurance (PMI) requirement. These loans aim to support those who have served our country in achieving their homeownership dreams.

USDA (United States Department of Agriculture) Loans

Aimed at homebuyers in rural and suburban areas, USDA loans offer low to no down payment options and competitive interest rates. These loans are backed by the USDA and provide a great opportunity for individuals and families looking to purchase homes in eligible rural communities.

Our Services

AG LENDING LLC offers a comprehensive range of mortgage services, including but not limited to:

Home Purchase Loans:

Helping you secure the financing needed to buy your dream home with ease and confidence.

Mortgage Refinancing:

Assisting you in refinancing your existing mortgage to potentially lower interest rates or access equity.

Home Equity Loans:

Enabling you to tap into the equity built in your home for various financial needs.

First-Time Homebuyer Programs:

Guiding and supporting first-time homebuyers through the entire loan process.

Customized Financial Solutions:

Designing personalized mortgage plans to suit your unique financial situation and long-term objectives.


Our Promise

At AG LENDING LLC, we are more than just mortgage brokers; we are your allies in your pursuit of financial freedom. Our promise is to be with you every step of the way, providing expert guidance, unwavering support, and transparent communication. Your satisfaction is our ultimate goal, and we will work tirelessly to exceed your expectations and build a lasting relationship based on trust and mutual success.

Join us at AG LENDING LLC and experience a mortgage journey that is smooth, stress-free, and tailored to your aspirations. Together, let's unlock the doors to a brighter future and help you achieve the dreams you've always envisioned.

Welcome to AG Lending LLC, your trusted mortgage partner!

At AG Lending LLC, we are committed to helping you find the perfect mortgage solution for your dream home. With our experienced team and a wide range of mortgage products, we make the home buying process simple and stress-free. Our focus is on personalized service, transparency, and guiding you every step of the way. Take the first step towards securing your financial future—reach out to us today and let us guide you on this remarkable journey!

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