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Loan Options

Find the Right Loan for You
We offer a variety of loan programs tailored to meet your needs. Whether you're buying your first home, refinancing, or investing, we’ll help you find the best financing solution.

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Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Living Room Furniture
FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

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VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Eclectic Living Room
Rehab Loan

Roll the costs of the renovation into your loan.

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USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Bright Living Room
Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

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First Time Home Buyer

Popular loan programs for first- time home buyers.

Country Style Living Room
Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Family at a Beach
Investment Property

Mortgage loan programs for vacation and investment properties.

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Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

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Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Engineer
Construction Home Loan

Build your dream home from the ground up with tailored financing.

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DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Painting a New Wall
Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

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HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

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Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Urban Home with Plants
Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Purchase

Refinance

Family in the Park

Refinance

Mortgage refinancing may lower your monthly payments.

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Cash-Out Refinance

Access home equity for various purposes.

Modern Bathroom Vanity

VA Loan Refinance

There are two main ways to refinance your VA loan.

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GET STARTED TODAY!

What are your goals? We are committed to helping you reach them.

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NMLS ID 2280945


California Department of Real Estate License #01527806

Email: info@nextgenhomeloans.com

‪(209) 653-0638‬

909 15th St. Ste. 1 Modesto, CA 95354

© 2026 Andy’s Home Loans DBA Next Gen Home Loans. All Rights Reserved.

All loans are subject to credit approval and underwriting guidelines. Rates, terms, and programs are subject to change without notice.


Consent is not a condition of purchase, View our Privacy Policy and Terms of Service.

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