About Porch Point Mortgage
Porch Point Mortgage is a mortgage broker dedicated to helping consumers find the right mortgage lender and loan amount for their needs. They work with an extensive network of mortgage lenders, including credit unions, online lenders, and other lenders offering specialized home lending products.
The company prides itself on guiding borrowers through the complexities of home loans. They explain key factors such as loan estimates and interest rates, and clarify the differences between FHA and USDA loans. Porch Point Mortgage strives to be an advocate and assistant, ensuring borrowers and lenders are aligned on their obligations.
Located in Huntsville, AL, Porch Point Mortgage offers a seamless online mortgage application process and promises timely updates on loan applications, rate locks, estimated closing costs, and closing details. They aim to simplify the home financing journey and provide expert guidance, personalized service, and clear advice at every step.
The company prides itself on guiding borrowers through the complexities of home loans. They explain key factors such as loan estimates and interest rates, and clarify the differences between FHA and USDA loans. Porch Point Mortgage strives to be an advocate and assistant, ensuring borrowers and lenders are aligned on their obligations.
Located in Huntsville, AL, Porch Point Mortgage offers a seamless online mortgage application process and promises timely updates on loan applications, rate locks, estimated closing costs, and closing details. They aim to simplify the home financing journey and provide expert guidance, personalized service, and clear advice at every step.
Company Information
Lender Type: Mortgage Broker
Headquarters: Huntsville, AL
Certifications & Credentials
Equal Housing Lender
Digital Capabilities
Online Application
Digital Document Upload
Home Loan Products
30 Year Fixed Rate
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
3%
Min Down Payment
15 Year Fixed Rate
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Adjustable Rate
Loan Types:
ConventionalRefinance
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
3.5%
Min Down Payment
VA Loans
Loan Types:
VARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
0
100%
Max LTV
USDA Loans
Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
0
Jumbo Loans
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
10%
Min Down Payment
DSCR Loans
Loan Types:
DSCR
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment Property
Occupancy Types:
Investment Property
Employment Types:
Investor
Income Verification:
No Income Verification
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Cash-Out Refinance
Loan Types:
Cash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Contact Information
7900 Bailey Cove Rd SE # F
Huntsville, AL 35802
US
Mailing Address:
1403 Weatherly Road, Suite 101, Huntsville, AL, 35803
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Business Information
Category: Mortgage Lender
Location: Huntsville, AL
Status: Standard
Type: Mortgage Broker
NMLS ID: 2184523
Profile Views: 11
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