At Dukes Mortgage Group, we believe there’s no such thing as a “one-size-fits-all” mortgage. Every homebuyer has their own unique story, goals, and financial background, and we’re here to match you with a loan that suits your needs. Whether you’re a first-time buyer, self-employed, or upgrading to your forever home, we offer a variety of home financing solutions designed to meet your unique needs.
Solid Choice. Strong Credit. Flexible Terms.
Conventional loans are a popular option for buyers with good credit and steady income. The government doesn’t back these loans, and they are usually offered through private lenders. They’re a great fit if you’re financially stable and want competitive interest rates with fewer upfront fees.
Ideal for: Buyers with good credit, steady employment, and a solid financial track record
Why consider it:
- Down payments as low as 3% (for qualified applicants)
- Typically, lower interest rates
- Flexible term options and higher loan limits
- No mortgage insurance with 20% down
A Smoother Path to Homeownership
The Federal Housing Administration backs FHA loans, which are ideal for individuals who require a bit more flexibility in qualifying for a mortgage. Whether you’re new to homebuying or rebuilding your credit, this program makes homeownership more reachable.
Ideal for: First-time buyers, buyers with lower credit scores, or those with limited down payment funds
Why consider it:
- Down payments as low as 3.5%
- Easier credit qualifications
- Lower closing costs in some cases
- More forgiving of past credit issues
Serving Those Who’ve Served
VA loans are a unique benefit available exclusively to eligible military members, veterans, and surviving spouses. These government-backed loans offer unmatched advantages as a token of appreciation for your service.
Ideal for Active-duty military, veterans, and qualifying surviving spouses
Why consider it:
- A zero down payment is required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible underwriting and credit standards
Homeownership in Rural America Made Possible
USDA loans are designed to support buyers in rural and suburban communities. Backed by the U.S. Department of Agriculture, these loans make it easier for moderate-income families to own a home outside city limits.
Ideal for: Low-to-moderate income borrowers purchasing in USDA-eligible rural areas
Why consider it:
- 100% financing, no down payment needed
- Reduced mortgage insurance costs
- Favorable interest rates
- Flexible credit qualifications
For the Self-Employed and Business-Minded
Traditional lending doesn’t always fit entrepreneurs and freelancers. With Bank Statement Loans, we use your bank activity, not tax returns, to evaluate your income. If you’re self-employed and financially successful but don’t have W-2s to show it, this might be your path.
Ideal for: Self-employed individuals, freelancers, and small business owners
Why consider it:
- Qualify using 12-24 months of personal or business bank statements
- No need to submit tax returns
- Greater flexibility in income documentation
- Designed for non-traditional earners
When Your Dream Home Is Above the Limit
High-end properties often come with higher price tags, and Jumbo Loans make financing those homes possible. These loans go beyond conforming loan limits and are ideal for buyers in competitive real estate markets.
Ideal for: Buyers purchasing homes above the conventional loan cap
Why consider it:
- Enables purchase of luxury or high-cost properties
- Competitive interest rates for qualified buyers
- It can be used for primary residences, second homes, or investment properties
- Flexible down payment and reserve options
Let the Property Speak for Itself
Designed with real estate investors in mind, DSCR loans focus on the income potential of a rental property, not your finances. If your goal is to grow a rental portfolio, this program offers a practical solution.
Ideal for: Real estate investors financing income-generating properties
Why consider it:
- Approval is based on the property’s cash flow, not personal income
- No personal income documentation is required
- Great for expanding rental portfolios
- Streamlined underwriting process
When Your Story Doesn’t Fit the Standard Mold
Non-QM loans are for buyers who fall outside the strict guidelines of conventional or government-backed loans. Whether it’s due to unique income sources, past credit challenges, or recent career changes, Non-QM loans offer creative solutions.
Ideal for: Borrowers with unconventional income or complex financial profiles
Why consider it:
- Flexible income documentation (asset-based, 1099s, etc.)
- Accommodates recent credit events (like bankruptcy or foreclosure)
- Custom loan terms and structures
- Helps qualified borrowers who don’t fit “typical” loan standards
