We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA | Conventional | HELOC | HARP | Commercial | Jumbo | Reverse. What makes Spot ON Lending unique is that we offer the following niche programs as well: Investment, DSCR, Down Payment Assistance, Private Lending, Rent To Own.• Conventional Loans - Ideal for borrowers with good credit seeking competitive rates • FHA Loans - Perfect for first-time homebuyers with down payments as low as 3.5% • VA Loans - $0 down payment options for veterans and active military personnel • USDA Loans - No down payment required for eligible rural and suburban properties • Jumbo Loans - Financing for higher-priced homes exceeding conforming loan limits • Investment Property Loans - Specialized programs for real estate investors • Down Payment Assistance - Programs to help with your initial investment • DSCR Loans - Debt service coverage ratio loans for investment properties • Private Lending - Alternative financing options for unique situations • Rent-to-Own Programs - Pathways to homeownership for those not yet ready to buy