Mortgage Loan Programs

At Lakeside Bank, we offer lots of options for purchase or refinance

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Conventional Loans

• Loan amounts: $100,000 to $802,650

• Minimum down payment: 5%

 

Jumbo Loans

For high-value properties exceeding conventional loan limits

• Loan amounts: $802,651 to $3,000,000

 

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

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Divorce Mortgage

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

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Condo Loans

We have the best condo mortgage loan options. From new construction, unwarrantable and regular condos we have the program.

 

$500 Closing Cost Credit

Available for:

• First responders

• Teachers

• First-time homebuyers