Mortgage Loan Programs

For purchase or refinance

​

Conventional Loans

• Loan amounts: $100,000 to $832,750

• Minimum down payment: 5%

 

Jumbo Loans

For high-value properties exceeding conventional loan limits

• Loan amounts: $832,751 and above

 

FHA & VA Loans (Government-Backed)

Flexible options designed to make homeownership more accessible

• FHA: Only 3.5% down payment required

• VA: 0% down payment for eligible veterans and service members

​

First-Time Homebuyer Loans

Tailored for new buyers entering the market.

• Low down payment options: 3–5%

• Bonus: $500 closing cost credit

​

Asset-Based Income Loans

Qualify using your investment or retirement assets instead of traditional income.

​

Portfolio Loan Program

Exclusive to Lakeside Bank

• 5-year Adjustable Rate Mortgage (ARM)

• 20% down payment

​

Home Equity Loans

Tap into your home’s equity for major expenses or debt consolidation.

• Up to 80% combined loan-to-value (CLTV)

• Interest-only payment options available

​​

Divorce Mortgage

We are experienced in helping clients purchase or refinance during a divorce 

​​

Condo Loans

We have the best condo mortgage loan options. From new construction, unwarrantable and regular transactions we have all the programs.

​

$500 Closing Cost Credit

Available for:

• First responders

• Teachers

• First-time homebuyers