This page is meant to show you all the mortgage programs we have.
We’re here to help you figure out which mortgage best fits your unique financial picture.


A FHA Loan from LeaderOne Financial is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, an FHA loan will help our clients with less-than-perfect-credit!

  • Streamlined Refinance
    Refinance quickly without an appraisal.
  • FICO Score Flexibility
    More flexibility with FICO scores.
  • Quick Processing
    Our FHA team is experienced to get your FHA loan funded quickly.
  • Gift Funds Allowed
    Your friends and family may help finance your dream home.


Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.

  • Renovating? Save money!
    Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.
  • Buying or Refinancing
    The 203k loan is available to both buyers and refinancing households.
  • Backed by the Federal Housing Administration (FHA)
    The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.
  • Streamline your 203(k)
    The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a construction loan size limit.


For the men and women that served us, we serve you by offering our best product. Buy a home with $0 down!

  • You Earned This
    For the men and women that served us, we serve you by offering our best product.
  • Fast Processing
    Let our VA team guide you through a fast and easy process.
  • No Money Down
    Purchase or refinance at 100% of the home’s value.
  • Turnkey Process
    Receive your VA loan quickly and easily today.


A Jumbo Mortgage is designed to allow consumers who are purchasing bigger homes to take advantage of today’s low rates. If you are able to afford a more expensive home but haven’t saved up enough money to bring the loan down to conforming limits, or you’ve found the perfect home but it happens to be in a higher priced neighborhood, this mortgage program is made for you!

  • Understanding Complex Financial Pictures
    Our highly trained staff understands the complexities of multi-stream incomes and knows how to use your financial picture to your advantage.
  • Eliminates Having to Obtain Multiple Loans
    Provides the convenience of one loan for the entire loan amount, with a variety of options.
  • Purchasing a High-End Home
    Jumbo Mortgages range from $424,101 to $3 million.


The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

  • 0% Down Payment
    That’s right! This program offers 100% financing for qualifying members.
  • First-Time Buyer Friendly
    USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
  • No Homeowner Counseling Required
    Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.
  • Insured by the U.S. Department of Agriculture
    Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates.


Owe more on your home than it’s worth? No problem! Welcome to the simple solution.

  • Many Qualify
    Over 2.5 million have taken advantage.
  • Recent Changes
    It’s now easier to qualify than ever before.
  • High LTV’s Ok
    Even if you are underwater on your loan.
  • HARP Experts
    We have an expert in-house to help you.


Have you heard?! Fannie Mae and Freddie Mac have re-established their low down-payment programs, HomeReady and Home Possible. Here at LeaderOne, we’re trained to understand how these programs work and how they can benefit your unique financial picture.

  • Lower Required Down-Payment
    Compared to other conventional mortgage programs, these programs allow qualified homebuyers to put less money down on their home.
  • Greater Purchasing Power
    Since homebuyers are allowed to put less towards their down payment, they may be able to afford a larger home that they previously didn’t qualify for.
  • Save Money for Home Expenses
    Moving can become an expensive endeavor. With less down, you will be able to spend more of your cash on things your home needs!
  • Home-Buyer Counseling Required
    At least one of the homebuyers will be required to attend a home-buyer education course.


Take advantage of low rates with a conventional purchase or refinance from LeaderOne Financial.

  • Most Common
    This is the most utilized mortgage program.
  • Great Rates
    Conventional loans offer low mortgage rates to save you money.
  • Fixed & Adjustable Rates
    Choose between fixed options and adjustable options.


With an Adjustable Rate Mortgage, the interest rate fluctuates according to the interest rates in the economy. Initial interests rates of ARMs are typically offered at a discounted rate that’s lower than the rate for a Fixed Rate Mortgage. Overtime, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.

  • Significantly Reduces the Cost of a Mortgage
    For a fixed period of time, you save on interest costs and pay more towards your principal.
  • Lower Rates, Flexible Terms
    Lenders give you a discounted rate up front because they know the rate will float with the market later on.
  • Plan on Moving or Refinancing within 3-7 Years
    After your initial rate period, your interest rate will be adjusted based on the type of program that you choose.
  • Expecting Mortgage Rates to Decline
    If you expect mortgage rates to decline, ARMs can work towards your advantage.


A fixed-rate mortgage is exactly what it sounds like. It’s a mortgage for which the interest rate is fixed for the life of the loan. Fixed rate mortgages are available in multiple terms. The monthly payment on a fixed-rate loan in inversely proportional to its term. The more years in a loan, the lower its monthly payment.

  • Safe
    Fixed-rate mortgages are safe because you never have to worry about your interest rate possibly going up.
  • Predictable
    Your mortgage principle and interest payments are set on Day 1 of your home loan, and never changes until the loan is paid-in-full. Some homeowners may prefer this type of certainty.
  • Great Rates
    As fixed-rate mortgage rates have dropped in recent years, the relative value of an ARM’s low starting mortgage rate has diminished.
  • Easy To View Rates
    See today’s rates and compare your loan pricing. Rates are available online, at no cost, with no obligation, and with no social security number required to get started.


Eliminate Mortgage Payments Forever. Live comfortable in your retirement. If you are over 62 years old, there are multiple ways to get your money from a reverse.

  • No Payments
    With a reverse mortgage no payment is made.
  • FHA Insured
    Loan is insured and regulated by FHA.
  • Easy Qualifications
    No credit score or income requirements.
  • Get Cash
    Get the extra cash you need with a government insured reverse mortgage.