Loan Programs

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

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Fixed Rate

Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.
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Adjustable ARM

The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.
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Interest Only

An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.
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Graduated 
Payment 

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time
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Conventional mortgage

A conventional mortgage or conventional loan is any home buyer's loan that is not provided or secured by a government entity.
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Loan Program Options

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FHA Home Loan

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
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USDA Loans

A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.
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Jumbo Loans

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
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FIRST-TIME HOME BUYERS

Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.
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REHAB LOAN

Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!
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LOW DOWN 
PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.
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INVESTMENT PROPERTY LOANS

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
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REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.
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REVERSE 
MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.
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Home Improvement
Loans

Home Improvement Loans are a financial springboard for homeowners looking to renovate or improve their living spaces.
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Home Affordable Refinance Program (HARP)

In the symphony of mortgage financing, HARP (Home Affordable Refinance Program) loans take center stage as a harmonious solution for homeowners seeking to refinance their mortgages, especially those with limited equity or facing financial challenges.
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NON-QM Loans

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1099 
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.
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Bank Statement 
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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Debt Service Coverage
Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
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Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.
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Pioneer Mortgage Funding Inc.

We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

(813) 857-6560

E-MAIL

ppritt@pmfmortgage.com

ADDRESS

8270 Woodland Center Blvd
Tampa FL 33614

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Website Disclaimer : 

Effective Date: 9/1/2021
All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Pioneer Mortgage Funding Inc. is an Equal Opportunity Mortgage Broker headquartered in Tampa, Florida. This licensee is performing acts for which a mortgage broker license is required. Pioneer Mortgage Funding Inc. is licensed by the Florida Office of Financial Regulation, NMLS# 1936558. Pioneer Mortgage Funding Inc. is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. Pioneer Mortgage Funding Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA.

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