MORTGAGE SERVICES
Explore Our Mortgage Services
At First USA Mortgage Solutions, we offer a full range of mortgage solutions - whether you're a first-time buyer, looking to refinance, or expanding your investment portfolio. Our team is here to guide you through every option and help you make the best decision for your situation.
Loans are subject to credit approval and income verification. Not all programs are available in all areas. Contact us for details. NMLS #2597839
Home Purchase Loans
Buying a home is a huge milestone, and we’re here to make it simple and affordable. Our home purchase loans come with competitive rates and flexible terms, ensuring you find the right solution whether you’re a first-time homebuyer or upgrading to a larger space.
BENEFITS
Low down payment options to fit your budget
Competetive rates and personalized loan matching
Flexible qualifying options for a range of income types
Refinancing
Looking to save on your mortgage? Refinancing with us can help you lower your monthly payments, reduce your interest rate, or tap into your home’s equity. Our refinancing options are flexible, fast, and tailored to meet your financial goals.
BENEFITS
Lower your monthly payments with options at competitive rates
Access your home equity for home improvements or debt consolidation
Flexible qualifying options to fit your PA or FL goals
VA Loans
If you’re a veteran or active-duty service member, our VA loans offer unbeatable benefits like no down payment and low interest rates. These loans are designed to make homeownership accessible for those who’ve served, with an easy qualification process.
BENEFITS
No down payment required for qualified service members
No private mortgage insurance (PMI) - lower overall costs
Flexible credit requirements for veterans and active military
FHA Loans
FHA loans are a great option for first-time homebuyers or anyone with a lower credit score. These loans offer low down payment options and flexible credit requirements, making homeownership more attainable.
BENEFITS
Low Down payment options from as little as 3.5%
More flexible credit score requirements thatn conventional loans
Backed by the Federal Housing Administration (FHA)
Reverse Mortgages
For homeowners aged 62 and older, a reverse mortgage can provide access to your home’s equity, giving you extra financial freedom without the burden of monthly mortgage payments. This service is ideal for those looking to supplement their retirement income.
BENEFITS
No monthly mortgage payments while you live in the home
Access your home equity for living expenses or healthcare needs
Stay in your home while managing your financial situation
Cash-Out Refinance
Need funds for home improvements, debt consolidation, or other expenses? A cash-out refinance allows you to leverage your home’s equity and turn it into cash. It’s a smart way to finance larger expenses while still benefiting from the lower interest rates of a mortgage.
BENEFITS
Turn your home equity into cash for any purpose
Potentially lower your rate while accessing funds
Flexible options with various loan terms available
Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit (HELOC) allows homeowners to borrow against the equity in their property, offering flexibility and convenience for managing large expenses or funding home improvements. With a HELOC, you have access to a revolving line of credit that you can draw from as needed, with competitive interest rates and flexible repayment terms.
BENEFITS
Flexible Credit Access - borrow as little or as much as you need
Lower interest rates than typical credit cards or personal loans
Interest-only payments during the draw period available
Tax-deductible interest in some cases - consult a tax advisor
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DSCR Second Mortgage
Looking to access your property’s equity without traditional income documentation? A DSCR Closed-End Second Mortgage lets real estate investors unlock cash based on the property’s rental income—not their personal income. It’s a strategic tool to grow your portfolio or cover big expenses while keeping your primary mortgage intact.
BENEFITS
No personal income verification - qualify based on rental income
No tax returns required - ideal for self-employed investors
Competitive rates with flexible loan amounts and structures