
Ready to Buy Your Home?
We’re here to help you buy the home of your dreams. Buying a home is one of the most exciting decisions you will make. From getting pre-approved to finding the perfect home, understanding the home buying process can help give you peace of mind. So can partnering with a mortgage lender you can trust. Whether you’re building or buying your home, Jet HomeLoans is here to help you along the way!
The first step is getting pre-approved. Pre-approval for your home loan considers your household income and payment history before determining how much of a loan you qualify for. Online pre-approval applications like SimpleLoan™, have become a simple and secure way to qualify.
Home buyers can qualify for a variety of loan programs, and the best program for your neighbor may be different than the one that’s right for you. Choosing the loan that’s best for you takes time, knowledge, and experience.
Once you’ve been pre-approved for your loan, it’s time to find your dream home! Your new home consultant will guide you throughout your homebuying process and help you find the perfect home for you.
When you’ve found your dream home, it’s time for Jet HomeLoans to get to work! Your loan application is reviewed to make sure all the required documents for your loan are in. You may need to provide additional documentation, so it’s a good idea to keep a folder of all your files together. Creating a smooth process will help your loan paperwork flow more efficiently, bringing you closer to closing day!
You’re almost there! Once your home and loan are ready, Jet HomeLoans provides you with all the final details you need, like your final closing disclosure, what to bring to your closing, and the funds needed at closing. All that’s left is signing the final loan documents and receiving the keys to your house. Welcome home!
Ready to apply?
Loan Programs
There are many different types of loan programs you can choose from. Mortgages come in a variety of options and the best loan program for your neighbor may be different than the one that is right for you. Different loan programs incorporate different interest rate guidelines, required deposits, and more. Learn about some of the most common home loan programs offered by Jet HomeLoans below. For more information on all our home loan programs, visit our Loan Programs page.
203k Rehab Loan
The FHA 203k loan program is a good fit if you are looking to purchase a home that may need repairs or upgrades. Common repairs issues include damaged roof, broken A/C system, and plumbing problems. It can also be used for upgrades on a home to be purchased, including flooring, painting, new appliances, and more. The FHA 203k loan program allows you to combine the costs of these repairs and upgrades to rehabilitate the property into the home loan.
In addition to streamlining costly repairs for a property, an FHA 203k loan can also be used for modernization of an existing home. This is useful for homeowners who want to update a kitchen or bathroom, build room additions, or other home expansion projects.
Adjustable Rate Mortgage (ARM)
Adjustable Rate Mortgages (ARMs) typically have lower mortgage rates when compared to traditional fixed rate programs. These rates adjust periodically over time, which can vary based on how long of a mortgage term you take. If you plan on selling or refinancing your home in less than 10 years, an ARM may be one option worth considering. Adjustable Rate Mortgages can be complicated, which is why we recommend talking to one of our mortgage consultants if you think this loan program is right for you.
FHA Loan
FHA is short for Federal Housing Administration. While FHA loans are geared toward first-time buyers, you do not need to be a first-time buyer to take advantage of this loan program. There are several benefits in selecting an FHA loan over other forms of financing. Easier credit qualifying, lower down payments and lower monthly payments all make FHA an excellent choice for first time buyers.
Fixed Rate Loan
Fixed rate loans are offered with most loan programs, including Conventional, FHA, VA, and USDA. Fixed rate indicates that your mortgage rate and payment are fixed for the life of your home loan. Fixed rate mortgages typically range from 10 to 30 years.
JUMBO Loan
Jumbo Loans refer to loans in which the financing required exceeds the maximum loan amounts established by the Federal Housing Finance Agency (FHFA). If your loan amount is larger than the FHFA maximum amount, a Jumbo loan may be required to secure the remaining financing that’s required for your loan. Jumbo loans can be set as either adjustable or fixed rate mortgages and have other terms that may apply.
VA Loan
VA loans are backed by the U.S. Department of Veteran Affairs and are available for military personnel, surviving spouses, and veterans. One of the key benefits for this loan is that it offers a zero percent down payment, so service men and women are not required to make a down payment for the loan. These loans can also be up to 100% financed, pending all requirements are met. Usually, these types of home loans are approved fast with minimal red tape. Even if you have less-than-perfect credit, a VA loan might be the right program for your financing situation. Other benefits of the VA home loan include it being offered as a fixed-rate or ARM mortgage that never includes monthly Private Mortgage Insurance (PMI).

Learn more about mortgages, loan programs, and the loan process on our Mortgage Resources page.
calculator
My Monthly Payment
what people say
See why our clients recommend us to family and friends.
This is my second home and this experience was completely different at the one I had before. The service was executed súper profesional!
![]()
Lisa is thorough in explaining all the complicated processes required in securing a mortgage and went above and beyond to assist in obtaining all the documents.
![]()
Sam’s Team at Jet HomeLoans was one of a kind. They took you by the hand during the process and were available at all times!
![]()
The team at Jet HomeLoans should be commended for their level of expertise, attention to detail and customer service.
![]()
Excellent team, very committed and helping with any doubts in the process, made everything very simple and friendly!
![]()
I would recommend Jet Home Loans to friends & family! Marta was amazing at answering all of my questions and walking me through all the steps.
![]()
Questions About Refinancing?
Talk to one of our mortgage professionals to learn about the benefits of refinancing today.
our blog
Learn More About Mortgages

When Should You Buy Your First Home?
While preparing for the purchase of your dream home, there are many money-saving tips that can help you along the way.

Conforming Loan Limit Increase for 2022
While preparing for the purchase of your dream home, there are many money-saving tips that can help you along the way.

Five Ways to Save for a Down Payment
While preparing for the purchase of your dream home, there are many money-saving tips that can help you along the way.