Our Services
Samaritan Mortgage Group
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We understand that securing a mortgage is a significant financial decision, and our dedicated team is here to guide you every step of the way. Whether you’re a first-time homebuyer or a seasoned investor, our commitment to providing personalized solutions ensures that you’ll find the perfect loan option to suit your needs. With a wide range of mortgage products, competitive rates, and a reputation for excellence in customer service, Samaritan Mortgage Group is your trusted partner in achieving your homeownership dreams. Our experienced professionals are ready to assist you in navigating the complex world of mortgage financing, ensuring a seamless and stress-free experience. Let us help you secure your future with the right loan services tailored to your unique circumstances.
Traditional & Government Loans
Conventional Loans
- FICO from 620
- Up to 105% CLTV with approved DPA (e.g., SHIP, HFA Preferred, HANDS)
- One-Time Close and Renovation options
- FNMA Blended Score allowed
- Solutions program allows one-off FNMA exceptions (e.g., condotels with 100% investor concentration)
FHA Loans
- FICO down to 550
- Manual underwrites allowed (with compensating factors)
- DPA options including grant-based 3.5% down payment assistance
- FHA Spot Condo Approvals supported
VA Loans
- FICO down to 550
- Manual underwrites possible
- No down payment and flexible guidelines
- VA Renovation financing available
USDA Loans
- Manual underwrites allowed
- 100% financing for eligible rural areas
- USDA Renovation loans supported
Disaster Relief (FHA 203H)
- 100% financing after federally declared disasters
Rate Locks & Buydowns
- Rate protection up to 90 days
- Temporary buydown options (3/2/1, 2/1, 1/0)
USDA Loans
- Manual underwrites allowed
- 100% financing for eligible rural areas
- USDA Renovation loans supported
Disaster Relief (FHA 203H)
- 100% financing after federally declared disasters
Rate Locks & Buydowns
- Rate protection up to 90 days
- Temporary buydown options (3/2/1, 2/1, 1/0)
Renovation Financing (All Major Agencies)
Renovation Financing (All Major Agencies)
- FHA 203(k)
- VA Renovation
- USDA Renovation
- Fannie Mae HomeStyle®
- Freddie Mac CHOICE Renovation & CHOICEReno eXPress
- Bundle purchase/refi with renovation costs
- Eligible with scores as low as 580 (or lower depending on program)
Jumbo & Expanded Access
Jumbo Loans
- Loan amounts up to $3.5M
- Up to 90% LTV
- Strong pricing for second homes
- ARM options: 3/1, 5/1, 7/1, 10/1
- Interest-only available
- 680–720+ FICO with reserves (10–24 months)
- Max DTI: 43–45%
Elite & Flex Jumbo Options
- Higher LTVs at lower loan amounts
- CLTV up to 90% with piggyback
- Cash-out up to $500K
Piggyback HELOCs (Symmetry)
- HELOC up to $750K
- Primary: up to 90% CLTV | Second home: up to 85% CLTV
- Max DTI: 43%–45%
Non-QM, Investor, and Bank Statement Options
DSCR Investor Loans
- DSCR ≥ 75% or 100%
- Short-term rentals permitted (through approved platforms)
- Non-warrantable condos & condotels eligible
- Vest in LLC
- Interest-only and bank statement variants available
- LTV: up to 75% purchase / 70% cash-out
- Max loan: $2M
Foreign National Loans
- Max LTV: 65% (primary/second), 55% (investment)
- 20+ months reserves
- Max DTI: 45%
Bank Statement Loans
- 12 or 24 months personal/business statements
- Income pre-approval before submission
- Combine with other income types
- Max LTV: 85% | Loans up to $3M | Max DTI: 50%
- FICO from 620
Alt-Doc / Flex Connect / Plus Connect
- 1099, 1-year tax return, P&L-only
- Full doc, Express, and hybrid options
- FICO as low as 640
- Up to $2.5M loan amounts
Bridge & Specialty Programs
Bridge Loans
- Max 60% LTV on departing residence
- 10+ months reserves required
- Bridge loan can be excluded from DTI if home expected to sell in 6 months (per appraisal)
- Must finance new home through same investor
Reverse Mortgages
- Available for eligible borrowers aged 62+
- FHA-insured HECM options
Unique Property Types
- Tiny Homes, Container Homes, and Multi-Width Manufactured
- Manufactured Homes: Double-wide and some Single-wide allowed per agency guidelines
- Condo-tels and non-warrantable condos permitted (1-bedroom minimum; no studios)