Stonegate Mortgage Loan Programs
We offer loans for every need.

Conventional (Conforming Agency)

  • Fixed-rate Terms of 10, 15, 20, 25 or 30 years
  • Must meet income, credit and down payment requirements


  • Lower down payment and interest rate options
  • Easier qualifications
  • Good option for first-time homebuyers


  • Guaranteed by the Department of Veterans Affairs
  • Benefits such as 100% financing (no down payment)
  • Competitive (and usually lower) interest rates

United States Department of Agriculture (USDA)

  • For the purchase of homes in rural areas
  • 100% financing (no down payment)
  • Low interest rates


  • Loans amounts $424,100 to $2,500,000
  • Fixed-rate and 5/1, 7/1 and 10/1 ARMs available
  • Cash out up to $300,000 available
  • Primary and second home property options

Home Affordable Refinance Program (HARP)

  • Refinance up to 125% of your home’s current value
  • Current loan-to-value ratio on your mortgage must be greater than 80%

Renovation Loans

  • Finance updates from flooring, windows and paint to a complete home renovation
  • FHA Standard 203(k), FHA Limited 203(k) HomeStyle ®


  • Provides cash back for discretionary use
  • Conforms to FNMA/FHLMC guidelines
See what our customers say about us…
  • “In addition to a good rate, my Advisor suggested a program that had not been suggested by others, which perfectly matched my financial needs. She was also very patient and clarified everything from start to end; it was so smooth and easy and the turnaround time of my email questions were much faster than anywhere.”
  • “Wow - again, bringing great news on a Monday afternoon (when it's needed most - lol!) - thank you so much!!!! YOU ROCK!"
  • “Our Mortgage Advisor went way above and beyond to get my loan completed.”
  • “Stonegate Mortgage was exceptional throughout the loan process. They responded quickly to our questions and had us closing faster than any other lender.”
  • “Our Advisor reassured us that Stonegate offers lower rates to compete in the marketplace and they would be able to close on time even though other lenders said the loan was "too good to be true"."
  • “Everything went so smoothly, and I cannot thank my Advisor enough for all of her help and support. I couldn't have asked for a better experience for my first time buying.”
  • “I am very grateful for all my Advisor did for me and for making my first home purchase a very smooth experience. She was very nice and easy to work with and I appreciate her hard work and courteous service.”
  • “I recently had the pleasure of working with a Stonegate Mortgage Advisor on the purchase of my first home. Since it was my first home loan I had no idea what to expect. My Advisor talked me through everything and answered all my questions to help me pick the ideal loan for my situation!”
  • “This was my first time buying a home and I was pretty stressed since I didn't know much about loans being only 25. However, my Stonegate Mortgage Advisor walked me through the entire process and went far beyond his job duties to explain the ins and outs of buying a home in order to get me the best loan for my situation.”
  • “Our Advisor was a wonderful help as we sought to purchase our first home; so much so that we went back to him when we purchased our second house, and later, refinanced. He worked hard to get us a great rate and we were pleased with the ease of the process.“

Complete the form below and we’ll determine which type of loan is best for you.

What is the goal of your loan?
How will you use this property?
How much do you want to borrow?
What state is the property located in?
Preferred Phone Number
Would you like us to recommend
a Realtor to assist you?

Or call 844.474.3669