Return to Top of Page

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.

Multiple Offers Affordability Investors Rates

Scenario:

Nothing to buy, multiple offers.

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

Equity Bridge Logo

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
Cash Edge Logo

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
5 Day Heloc Logo

Stand Alone or Bridge Financing

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

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.

Equity Rate Saver Logo

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
Home Assist Logo

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.

Envoy Invest Logo

Growth wealth through real estate investment with our DSCR

  • Use rents to qualify
  • No property limits
  • Cash out up to 75%
Envoy Expand Logo

Competitive rates for just miss borrowers, self employed, ITIN

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

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.

Rate Saver Logo

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
Boomerang Logo

Waiting Can Be Expensive. Eliminate the Risk.

  • Lender fees waived when you refinance with Envoy
  • Insurance against rates dropping
  • Take advantage of todays market with piece of mind

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