Clearer mortgage paths for more client scenarios
Help buyers explore available financing options through an independent mortgage broker. Your Mortgage Choice works with third-party lenders to evaluate programs based on each client's goals and qualifications.
Your Mortgage Choice is a mortgage broker, not a lender. Loan availability and terms depend on the third-party lender and the client's qualifications.
Broader access to available mortgage options
One buyer may prioritize a lower initial payment, another a predictable long-term payment, and another a property or income scenario that needs specialized review. We help identify available third-party lending options worth exploring.
Explore eligible assistance and affordability programs
Depending on location, qualifications, and current third-party lender or agency guidelines, some clients may be eligible for down-payment or closing-cost assistance. We help determine which currently available programs may fit the scenario.
Assistance is not guaranteed. Program availability, funding, geographic eligibility, and qualification requirements vary by third-party lender or agency and are subject to change without notice.
Help clients prepare to make a confident offer
We help buyers understand documentation, application, and preapproval steps so they can shop with a clearer view of their financing position. Any approval or preapproval is issued subject to the applicable third-party lender's requirements and conditions.
Match the mortgage option to the client
Use these categories to start the conversation. Actual product availability, pricing, limits, and eligibility depend on current third-party lender guidelines and the complete loan scenario.
- Predictable Payment
30-Year Fixed
For a buyer who wants a consistent payment structure over a longer term.
Ask About This Option - Shorter Term
15-Year Fixed
For a buyer focused on a shorter payoff horizon.
Ask About This Option - Initial Period
Adjustable-Rate Mortgage
For a buyer whose plans may change within a defined initial period.
Ask About This Option - Government-Backed
FHA
For a buyer exploring a government-backed program option.
Ask About This Option - Military Eligibility
VA
For an eligible service member, veteran or surviving spouse.
Ask About This Option - Rural Eligibility
USDA
For a buyer considering a property in an eligible rural area.
Ask About This Option - Higher Loan Amount
Jumbo
For a scenario above standard conforming limits.
Ask About This Option - Common Scenario
Conventional
For a buyer exploring a standard non-government program.
Ask About This Option - First Purchase
First-Time Homebuyer Programs
For a client purchasing their first home and learning the process.
Ask About This Option - Eligibility Review
Down-Payment Assistance
For a client asking whether assistance programs may apply to their scenario.
Ask About This Option - Investor Scenario
DSCR / Investment Property
For a client evaluating a rental or investment property scenario.
Ask About This Option - Self-Employed
Bank Statement / Self-Employed Options
For a self-employed client with a less traditional income profile.
Ask About This Option - Property Improvement
Renovation Financing
For a client considering a property that needs work.
Ask About This Option - Existing Homeowner
Refinance
For an existing homeowner reviewing their current financing.
Ask About This Option - Equity Scenario
Cash-Out Refinance
For a homeowner exploring the use of existing equity.
Ask About This Option
Every referral deserves a thoughtful next step
Legal Disclosures & Licensing
Your Mortgage Choice, LLC is a mortgage broker, not a mortgage lender. We arrange but do not make or fund mortgage loans. All loan products are offered through third-party lenders. All loans are subject to the applicable lender's underwriting guidelines, credit approval, and property appraisal requirements. Rates, terms, programs, and availability are subject to change without notice. Not all products are available in all states. This is not a commitment to lend.
Your Mortgage Choice, LLC (DBA YMC) · Company NMLS #2680197 · Licensing information can be verified through NMLS Consumer Access at www.nmlsconsumeraccess.org. Full legal and licensing information is available at yourmortgagechoice.com/legal.
State-specific disclosures
State-specific disclosures appear here once compliance confirms the currently active licensed states. A listed office address or a pending or approved license record is not confirmation that a transaction may be originated in that state.