At Elegant Carriage Mortgage, we match every client with the right home loan—not a one-size-fits-all product. Explore your options below and discover which loan type fits your situation best.
Veterans, Active-Duty Military
3.5% down, accessible underwriting
Strong-credit borrowers
Competitive rates, flexible terms
Self-employed, 1099 income, credit repair clients
Bank statement loans, flexible approval
Learn About Non-QM Loans with a complimentary consultation!
Non-QM loans provide flexibility outside standard guidelines.
All options available depending on your goals.
There are subtle differences in loan types. Primarily the mortgage insurance is going to be the biggest differentiator. FHA programs typically allow lower credit scores and is flat based pricing, while Conventional mortgages are goign to be risk-based.
You may have eligibility as a reservist! It will depend on your time in the Reserves and deployment status.
The process goes as swiftly as we can work together to get necessary details in order. We have had clients preapproved in hours and some take days depending on the amount of documents needed for submission! Our goal is to complete the process as soon as possible every time!
This will depend on your income, credit, and assets. We will go over a thorough review to keep the documentation process minimal and efficient!
Want to see what you can afford? Use our quick loan calculator.
“Elegant Carriage walked me through every VA loan step. I was approved fast and felt supported all the way.”
“We applied in minutes and closed faster than expected. Felt taken care of from start to finish.”
“Quick, friendly, and transparent. From application to approval, everything just worked.”
“We were first-time buyers and had no idea where to start. The team walked us through every step—and we closed
“Locked in a great rate and felt supported the whole way. Couldn’t have asked for better service.”
Whether you’re buying your first home or adding to your portfolio, we’ll help you secure the right loan—fast.
