Fast, Reliable Home Financing You Can Trust (239) 388-2500 felix@in-housemortgage.com
Mortgage Programs and Financing Options
At In-House Mortgage, we understand that no two homebuyers are alike. That’s why we offer a wide range of mortgage options tailored to your financial goals, lifestyle, and long-term plans. We’re here to match you with the right program at competitive rates and flexible terms.
Construction Loans
Building your dream home requires financing built around flexibility. Our construction loan programs are designed to support you through planning, construction, and completion. Whether you're starting from scratch or undergoing major renovations, we’ll help you secure the funding, streamline the process, and move from blueprint to move-in with confidence.
Home Equity Loans
Tap into your home’s value and put it to work. With a home equity loan from In-House Mortgage, you can access funds for home improvements, debt consolidation, education, or other major expenses without unnecessary complexity. We make the process simple, transparent, and tailored to your financial needs.
Conventional Fixed-Rate Mortgages (FRM)
Looking for long-term stability? A fixed-rate mortgage offers predictable monthly payments and terms ranging from 10 to 30 years. Ideal for buyers planning to stay in their home, this program provides financial peace of mind and a straightforward path to ownership.
Adjustable-Rate Mortgages (ARM)
An adjustable-rate mortgage offers a lower introductory rate, making early monthly payments more affordable. This option may be ideal if you plan to sell, refinance, or relocate before the rate adjusts. Our team will help you understand how rate changes work and whether an ARM aligns with your financial strategy.
Jumbo Loans
If you're purchasing a high-value or luxury property that exceeds conventional loan limits, a jumbo loan may be the perfect fit. We specialize in complex financing and provide customized lending solutions with competitive terms, making high-end homeownership more accessible.
Refinance Mortgage Loans
Refinancing can reduce your rate, lower monthly payments, shorten your loan term, or give you access to equity. We’ll help you evaluate your options and choose the best refinancing strategy based on your goals, whether you're improving cash flow or strengthening long-term financial security.
FHA Mortgage Loans
FHA loans offer flexible qualification requirements and lower down payments, making them ideal for first-time buyers or borrowers with limited credit history. We guide you through every step and help you take advantage of this program designed to make homeownership attainable.
Reverse Mortgage Loans
For homeowners age 62 and older, a reverse mortgage can unlock financial freedom by converting home equity into usable funds without monthly mortgage payments. We provide clear, thoughtful guidance so you can make an informed decision that supports your retirement goals.
VA Mortgage Loans
Available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer exceptional benefits, including no down payment and no private mortgage insurance. We are proud to help those who have served secure a home using one of the strongest financing options available.
Self-Employed Borrowers
We understand that traditional lending doesn’t always fit today’s entrepreneurial lifestyle. Whether you're a business owner, freelancer, or independent contractor, we offer flexible loan programs and alternative documentation options to help you qualify with confidence.
Borrowers With Significant Assets
For borrowers with strong financial portfolios, we offer customized lending solutions that leverage assets rather than traditional income alone. Whether purchasing, investing, or refinancing, our team provides mortgage programs designed for financial flexibility and long-term value.
Foreign Buyers
Purchasing property in the U.S. as a non-resident can be complex, but we make it manageable. With specialized loan programs and expert guidance, we help foreign buyers secure financing quickly and confidently for primary residences, vacation homes, or investment properties.
Borrowers With Challenged Credit
A past financial setback shouldn’t prevent homeownership. We offer programs designed for borrowers working to rebuild credit and improve their financial standing. Our team will guide you through available options and help you take the next step toward approval.
Ready to Find the Right Loan?
Our experts are here to help you choose the best mortgage program based on your goals, budget, and future plans.
Hard Money Loans
We provide hard money loans designed to support sensible, sustainable home ownership. Our focus is on helping buyers secure fast, reliable funding based on property value and sound financial planning—making home ownership achievable without unnecessary complexity.
FUNDING FOR COMMERCIAL & LARGE PROJECT DEVELOPMENT
Our Financial Partners provide strategic funding to accelerate commercial ventures and large-scale project development. We support high-impact initiatives with the capital, expertise, and resources needed to move from concept to execution—driving innovation, economic growth, and long-term success.
Real Estate Investors
Investment financing requires strategy and experience. Whether you're expanding rental holdings, renovating properties, or acquiring short-term income assets, we offer competitive loan structures to help maximize returns and scale your portfolio with confidence.