Programs for Everyone

Going through the process of finding the right mortgage loan can seem challenging, but having the right people and resources by your side can make all the difference. Putting people first is one of our key values that you will experience while working with Envoy. A licensed mortgage loan specialist at Envoy Mortgage will be able to help you determine which program best suits you.

Scenario:

Nothing to buy, multiple offers.

In a competitive market, every advantage helps to secure a winning offer.

Let your current home buy your new home

Buy before you sell powered by Homelight
No interest no payment bridge loan
Sell your departing residence on your timeline

Envoy makes you an All-Cash Buyer

Write an all cash offer with a TBD approval
Low cost, only paid at closing
Help Your Clients' offer win

Stand Alone or Bridge Financing

100% Online
Ability to Close in 5 Days
Great Rates, Flexible Terms

Submit a Winning Offer with Confidence

Cash guarantee paid to the buyer if we don't close on time
Full TBD approval gives you peace of mind in a competitive market

Scenario:

Affordability, No Down Payment

Everyone deserves the opportunity to own a home - explore plans suitable for every background.

Lender and Seller Paid Options to Lower Your Rate

Lower your first year rate by 1%
Temporary buydown to help sellers drive demand and buyers lower monthly payments

Hundreds of programs to help buyers with down payments and interest rates

As little as Zero Down
Access to local and regional programs
Low income credits up to $2,500

Scenario:

Investors and Self-Employed

With programs built for every situation, you will always find the perfect mortgage solution for your client.

Growth wealth through real estate investment with our DSCR

Use rent to qualify
No property limits
Cash out up to 75%

Competitive rates for just miss borrowers, self-employed, ITIN

Up to 90% LTV
No Mortgage Insurance
$2M Loan Amounts
$1M Cash Out

High Levels of Flexibility for Lower Credit Scores, Self-Employed, ITIN

620 min. FICO
No Mortgage Insurance
$1.5M Loan Amount
$500K Cash Out

Scenario:

Rates too high, prices too high

These programs are perfect for clients who find the current rates and prices just a little too high.

Lender and Seller Paid Options to Lower Your Rate

Lower your first year rate by 1%
Temporary buydown to help sellers drive demand and buyers lower monthly payments

Waiting Can Be Expensive. Eliminate the Risk.

Lender fees waived when you refinance with Envoy
Insurance against rates dropping
Take advantage of today's market with peace of mind

Serving those who served with amazing financing.

VA IRRL

Interest Rate Reduction Refinance Loan

A streamlined refinance option to lower your monthly payment with less hassle.

No appraisal or income verification required (in most cases)
Fast and simplified closing process
No out-of-pocket costs – can roll closing costs int the loan

VA 100% Purchase Loan

Buy a home with no down payment and flexible credit guidelines.

100% financing – no down payment required
Competitive interest rates
Flexible credit and income requirements

VA Cash-Out Refinance

Equity Leverage

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

Refinance up to 100% of your home’s value (in many cases)
Use funds for home renovations, education, or paying off high-interest debt
Available even if your current loan is not a VA loan

VA Jumbo Loans

Buy above the conforming limit with full VA benefits intact.

No down payment up to your county’s VA loan limit
Higher loan amounts for high-cost areas or luxury homes
No PMI, even on large loan balances

VA Multi-Family Purchase

2-4 Units + Investment

Live in one unit and rent the others with 100% financing.

Buy up to a 4-unit property with no down payment (must occupy one unit)
Build wealth through rental income
Use future rental income to help qualify

VA Renovation Loan

Buy or refinance a home and roll in the cost of repairs or upgrades.

Finance purchase price plus renovation costs in one loan
Great for fixer-uppers or homes that don’t meet standard VA condition guidelines
Keep VA benefits like no PMI and low interest rates

One solution. Endless possibilities.

Whether you're renovating, rebuilding, or starting from scratch—ENVOY BUILD offers flexible loan programs designed to bring your vision to life.

FNMA HomeStyle® Renovation Loan

Buy and renovate with one loan—perfect for primary homes, second homes, or investment properties.

Finance purchase and renovation costs in one mortgage
Available for 1-4 unit properties, condos, and second homes
No need for separate construction financing

Renovation Ready Loan

Move-in ready? Not quite? This loan helps you customize your home after closing.

Funds set aside for minor upgrades or repairs post-close
No delays in closing—repairs completed after you move in
Ideal for homes that need cosmetic fixes

Build the Dream

Construction-to-Permanent Loan

Buy land and finance the construction of your dream home—all in one transaction.

One-time close for land purchase and build
Interest-only payments during construction phase
Locked-in long-term rate from the start

Beat the Competition with FHA 203(k)

Turn a fixer-upper into your forever home—with low down payment options.

Low 3.5% down payment (for qualified buyers)
Combines purchase and renovation costs into one loan
Two options: Limited and Standard based on project scope

VA Renovation Loan

Use your VA benefit to buy and improve a home—all with zero down.

Finance renovations and purchase in one loan
100% financing available for qualified veterans
Great for homes needing upgrades or code repairs

USDA Renovation Loan

Buy or improve a home in an eligible rural area—with no down payment.

Combine home purchase and renovation costs
100% financing for qualified borrowers in rural areas
Perfect for homes needing repairs to meet USDA standards

Want to learn more?

Mortgage can be complicated, but we’re here to make it easier than ever before. Discover the different types of loans and options available for all your home buying needs.

I am looking to buy a home.

Envoy offers many types of home loans, including conventional loans, FHA loans, VA loans, fixed-rate loans, adjustable-rate mortgages, jumbo loans, and more.

Home Loans

I am looking to refinance.

Envoy offers many home refinance options which can help you lower monthly payments, shorten your mortgage term or cash out on equity.

Refinance