Loan Programs

Buying a home is one of the biggest financial decisions you'll ever make. At A Plus Lending Group, we guide you through every step of the mortgage process — from pre-qualification to closing. We offer competitive rates and a variety of loan types to match your unique situation.

• Competitive interest rates
• Flexible down payment options
• Pre-qualification available
• Personalized guidance throughout

Refinancing your mortgage can help you reduce your monthly payment, shorten your loan term, or tap into your home's equity for major expenses. Our team will analyze your current loan and find the best refinance option for your goals.

• Rate-and-term refinances
• Cash-out refinances
• Streamline refinance options
• Fast, hassle-free process

VA loans are a powerful benefit for eligible veterans, active-duty service members, and surviving spouses. With no down payment required and no private mortgage insurance, a VA loan can make homeownership more accessible than ever.

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements

A HELOC gives you flexible access to your home's equity as a revolving line of credit. Use it for home improvements, debt consolidation, education expenses, or any major financial need — and only pay interest on what you draw.

• Flexible draw period
• Interest-only payment options
• Competitive variable rates
• Use funds for any purpose

A second mortgage allows you to borrow against your home's equity without refinancing your existing mortgage. It's a smart option when you need a lump sum for a specific purpose and want to preserve your current loan terms.

• Lump-sum disbursement
• Fixed interest rates available
• Keep your existing first mortgage
• Ideal for large one-time expenses

A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into tax-free funds — without making monthly mortgage payments. It's a valuable tool for supplementing retirement income while remaining in your home.

• No monthly mortgage payments required
• Tax-free proceeds
• Remain in your home
• Available for homeowners 62+

Whether you're purchasing a commercial property, refinancing an existing business loan, or funding a new development, our commercial lending team has the expertise to structure the right solution for your investment goals.

• Purchase and refinance options
• Flexible loan structures
• Competitive commercial rates
• Experienced lending team

We specialize in helping foreign nationals and international investors secure financing for U.S. real estate. Our team understands the unique requirements of cross-border transactions and will guide you through the process with clarity and expertise.

• Specialized foreign national programs
• Residential and commercial options
• Guidance through U.S. lending requirements
• Bilingual support — Hablamos Español