--- title: Loan Programs description: Discover tailored mortgage options with Baril Home Lending. Explore FHA, VA, Conventional, Jumbo loans and more to find the perfect home financing solution --- # Find the Right Mortgage Loan Program for You We offer a variety of loan options to fit your unique needs. Learn more about our most popular programs below. Contact Us to Get Started Now ## Explore Our Loan Programs As experienced mortgage brokers, we have access to a wide range of loan programs tailored to meet your specific goals. Here are some of the most popular options we offer. ### Conventional Loans   Conventional loans are a trusted option for borrowers with strong credit and a stable income. These loans are not government-backed, offering you greater flexibility with terms and fewer restrictions. With competitive interest rates and options starting at just 3% down, they are ideal for purchasing a primary residence, second home, or investment property. Whether you're a first-time buyer or planning to upgrade, a conventional loan could be the perfect solution for you. Key Benefits: • Flexible loan terms (fixed or adjustable rates) • No upfront mortgage insurance for qualified borrowers • Higher loan limits compared to FHA loans   ### FHA Loans   FHA loans are crafted to make the dream of homeownership a reality, particularly for first-time buyers or those with lower credit scores. Supported by the Federal Housing Administration, these loans provide low down payment options and more accommodating qualification criteria. They are perfect for borrowers who might not meet the requirements for conventional loans but are eager to achieve their homeownership goals. Key Benefits: • Down payments as low as 3.5% • Flexible credit score requirements • Allows higher debt-to-income ratios   ### VA Loans   VA loans offer outstanding benefits for veterans, active-duty service members, and eligible surviving spouses. Supported by the U.S. Department of Veterans Affairs, these loans eliminate the need for a down payment and private mortgage insurance (PMI), making the dream of homeownership more accessible and affordable for the heroes who have served our country. Key Benefits: • No down payment required • No private mortgage insurance (PMI) • Competitive interest rates   ### Jumbo Loans   If you're considering purchasing high-value properties that exceed conventional loan limits, jumbo loans are an excellent option. These loans are tailored for borrowers with strong credit profiles and stable financial situations, providing the necessary financing for larger loan amounts. Key Benefits: • Access to financing for luxury or high-cost homes • Flexible loan terms (fixed or adjustable rates) • Tailored solutions for qualified borrowers   ### Refinance Options   Refinancing your home loan can be a strategic move to lower your monthly payments, secure a more favorable interest rate, or access your home’s equity. Whether your goal is to ease your financial load or finance a significant project, refinancing provides customized solutions to meet your unique needs. Key Benefits: • Potentially lower interest rates • Access to cash for major expenses • Adjust loan terms to align with your financial goals   ### HELOC (Home Equity Line of Credit) A Home Equity Line of Credit (HELOC) lets you tap into your home’s equity as a flexible line of credit, similar to a credit card. It’s perfect for funding home renovations, paying for education, or covering unexpected expenses. With a HELOC, you only pay interest on the amount you borrow, making it a cost-effective solution for accessing funds when you need them.   **Key Benefits:** • Flexible access to funds as needed • Pay interest only on the amount borrowed • Typically lower interest rates compared to personal loans or credit cards ### Non-QM Loans Non-QM loans are designed for borrowers who don’t meet traditional loan criteria but still have the financial strength to secure a mortgage. Ideal for self-employed individuals, real estate investors, or those with unique income sources, Non-QM loans offer customized solutions for non-traditional borrowers.   **Key Benefits:** • Flexible qualification criteria, such as alternative income documentation • Options for those with lower credit scores or recent credit events • Ideal for self-employed borrowers, investors, and high-net-worth individuals ![Ryan Baril Atlanta Mortgage Broker](https://barilhomelending.com/hs-fs/hubfs/Ryan%20Headshots/Ryan-Baril-by-AGpicture-44.jpg?width=300&height=200&name=Ryan-Baril-by-AGpicture-44.jpg) ##### Feeling Overwhelmed? Let’s Simplify the Process. We understand that navigating loan options can feel like a lot. Don’t worry—you don’t have to figure it out alone. Schedule a free consultation with us, and we’ll help you find the perfect loan program for your needs. Schedule My Free Consultation ## Compare Our Most Popular Loan Types ### Conventional 0 /month - Minimum Down Payment: 3-5% (scenario dependent) - Minimum Credit Score: 620+ - Property Use: Primary Residence, Second Home or Investment - Maximum Loan Amount: $806,500 - Rate Types Available: Fixed or Adjustable - Temporary Buy Down Eligible - Mortgage Insurance: Required when putting down less than 20% [ Apply Now ](https://barilhomelending.my1003app.com/register) ### FHA 8 /month - Minimum Down Payment: 3.5% - Minimum Credit Score: 580+ - Property Use: Primary Residence Only - Maximum Loan Amount: $524,255 (higher in many counties, including Fulton, GA at $688,850) - Rate Types Available: Fixed or Adjustable - Temporary Buy Down Eligible - Mortgage Insurance: Required on all loans [ Apply Now ](https://barilhomelending.my1003app.com/register) ### VA 16 For Millitary Veterans /month - Minimum Down Payment: 0% - Minimum Credit Score: 580+ - Property Use: Primary Residence Only - Maximum Loan Amount: $806,500 (jumbo options available to $4M) - Rate Types Available: Fixed Rate Only - Temporary Buy Down Eligible - Mortgage Insurance: None [ Apply Now ](https://barilhomelending.my1003app.com/register) ### Non-QM 149 /month - Minimum Down Payment: Varies Based on Product - Minimum Credit Score: Varies based on product - Property Use: Primary Residence, Second Home or Investment - More flexible than conventional - Maximum Loan Amount: Varies, high loan amounts available - Rate Types Available: Fixed, Adjustable or Interest Only, depending on program - Mortgage Insurance: varies [ Apply Now ](https://barilhomelending.my1003app.com/register) Conventional FHA VA Non-QM ## Loan Requirements Minimum Down Payment 3-5% (scenario dependent) 3.5% 0% Varies based on program Minimum Credit Score There are many versions of your credit score, contact us to help 620+ 580+ 580+ Varies based on program Property Use Primary Residence, Second Home or Investment Primary Residence Only Primary Residence Only Primary Residence, Second Home or Investment - More flexible than conventional ## Loan Features Maximum Loan Amount *May be higher if you are in a high cost area or if purchasing a multi-unit property $806,500 $524,255 (higher in many counties, including Fulton, GA at $688,850) $806,500 (jumbo options available to $4M) varies Rate Types Available Fixed or Adjustable - Temporary Buy Down Eligible Fixed or Adjustable - Temporary Buy Down Eligible Fixed Rate Only - Temporary Buy Down Available Fixed, Adjustable or Interest Only, depending on program Mortgage Insurance Required when putting down less than 20% Required on all loans None varies **The content provided is presented for information purposes only. All loans are subject to credit approval. Not all borrowers will meet the requirements necessary to qualify. Information, rates and terms are subject to change based on market conditions, borrower eligibility and without notice. Any offer is subject to verification of borrower qualifications, property evaluations, income verification and credit approval. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in. This is not a commitment to lend or extend credit. Certain restrictions may apply, call for details. Baril Home Lending, LLC is not affiliated with or endorsed by HUD, any government agency, including USDA or the Dept. of Veterans Affairs. Payments do not include taxes and insurance. Your payment obligation will be higher. Every person’s situation is unique, and the program may vary based on eligibility. Not all applicants will qualify, and your savings will vary. As a result of refinancing, your total finance charges may be higher over the life of the loan.. [Contact us](https://meetings.hubspot.com/ryan-baril/initial-consultation-ryan) to explore the loan options available to you. * ![Photo of a house with a key, representing personalized mortgage consultations with Baril Home Lending.](https://barilhomelending.com/hs-fs/hubfs/AI-Generated%20Media/Images/A%20realistic%20closeup%20image%20of%20a%20house%20key%20resting%20on%20a%20small%20wooden%20table%20or%20counter%20in%20front%20of%20a%20modern%20suburban%20home.jpeg?width=1024&height=1024&name=A%20realistic%20closeup%20image%20of%20a%20house%20key%20resting%20on%20a%20small%20wooden%20table%20or%20counter%20in%20front%20of%20a%20modern%20suburban%20home.jpeg) ## Ready to take the next step? We're here to help you make the numbers work. Book some time with Ryan below and let's get started. Get Started NMLS 2661343 770-209-2773 [ryan@barilhomelending.com](mailto:ryan@barilhomelending.com) - - - - ![equal housing](https://barilhomelending.com/hs-fs/hubfs/equal%20housing.png?width=73&height=75&name=equal%20housing.png) For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Baril Home Lending, LLC [www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org):  [NMLS #2661343.](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2661343) 500 Oakleaf Way, Milton, GA 30004. 770-209-2773 or 407-474-7798. Equal Housing Opportunity. Licensed Mortgage Broker in Georgia and Florida. [Privacy Policy](https://barilhomelending.com/privacy-policy?hsLang=en) 2025 All Rights Reserved.