Our Services

  • If you have a strong credit history, this could be the ideal option for you. Along with the potential for lower interest rates, this flexible solution provides the option of fixed-rate or adjustable-rate mortgage (ARM) financing, with a broad range of term choices.

    KEY FEATURES:

    • Purchase with as little as 3% down for those with a higher FICO score and bank balance

    • Fixed-rate loans available with 10- to 30-year terms

    • Minimum FICO score of 620

  • An FHA loan, insured by the federal government, offers more flexible approval requirements. First-time homebuyers often prefer FHA loans because they allow family members to contribute gift funds toward closing costs.

    KEY FEATURES:

    • Down payments as low as 3.5%1

    • Minimum 580 FICO score

    • Great for first-time homebuyers

    • Broader qualification requirements

    • Access to streamline refinancing programs

    • High-balance loans available in some counties

  • Originally designed for servicemembers returning after WWII, VA loans are available to military veterans, active duty personnel, surviving spouses, and certain reservists. Funding of up to $2 million may be accessible.

    KEY FEATURES:

    • No down payment required with full entitlement3

    • Cash-out and streamlined rate-term refinancing

    • Larger loan amounts available for homes in high-cost areas

    • Minimum 580 FICO credit score

  • If you're purchasing or refinancing in a rural area (click here to check if a property is in a rural zone), this loan offers buyer-friendly guidelines that might suit your needs. Designed for borrowers who may not meet conventional loan requirements, USDA loans are subject to household income limits.

    KEY FEATURES:

    • No down payment required4

    • Easier credit qualifying guidelines

    • Your home’s seller can help you with closing costs

    • Fixed-rate, 30-year loan terms for easy budgeting

  • Traditional loans can feel like a one-size-fits-all solution. But what if your financial situation doesn't align with that standard? At Megga Marq Mortgage, we believe everyone should have the opportunity to own a home. That’s why Non-QM is a game-changing suite of mortgage programs designed for homebuyers with unique financial circumstances.

    HARD MONEY

    DSCR

    FIX&FLIP

  • Are you approaching retirement? We have a special financing tool that can better suit your needs now and in the future: It's called a Home Equity Conversion Mortgage (HECM). You may have more options than you realize!

    KEY FEATURES:

    • Specifically designed for homeowners age 62+

    • Lump sum or equity line

    • The funds from your reverse mortgage loan can be used to pay off the existing mortgage on your home and any credit card debt