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Loan Options

Your Path to the Perfect Home Loan Starts Here

At Home Loans by Ali, we believe every homebuyer deserves a loan that fits their lifestyle, long-term goals, and financial needs. Whether you’re purchasing your first home, upgrading your space, or refinancing for better terms, we guide you through the loan options available—and help you choose the one that feels right.

Conventional

  • 620 Minimum FICO (no minimum FICO with LP approvall

  • 97% LTV allowed

  • Single Premium MI options available

  • No max DTI with DU/LP approval

VA

  • 500 minimum FICO with 0% down

  • Interest Rate Reduction Refinance Loan (IRRRL) with no appraisal or DTI calculation

  • Loan Amounts on $2 million

  • No max DTI with DU/LP approval

FHA

  • 500+ FICO with 10% down

  • 580+ FICO with 3.5% down

  • FHA streamline refinance with no appraisal or DTI calculation

  • No max DTI with DU/LP Approval

USDA

  • 580 Minimum FICO with 0% down

  • No max DTI with GUS approval

  • Roll in closing costs up to 102.75% of sales price or appraised value (whichever is higher)

  • Streamline assist refinance with no appraisal or DTI calculation

Niche Products

  • Assets-for-Income Programs

  • Bank Statement Programs

  • Bond & Down Payment Assistance

  • Non-Warrantable Condominiums

  • Freddie Mac HomePossible

  • Fannie Mae HomeReady

  • Fannie Mae Homestyle Renovation

  • FHA 203(k) Limited and Standard

  • Foreign National Programs

  • ITIN Programs

  • Investor Programs (No Income

  • Documentation Required)

  • Jumbo up to 90% LTV

  • Manufactured Homes

  • One-Time Close Construction

  • Recent Housing Events

Ready to Start Your Home Loan Journey?

Buying a home is one of the most important investments of your life. Let Home Loans by Ali guide you every step of the way.

Contact us today to schedule your consultation and take the first step toward owning your dream home.

Home Loans by Ali

1811 Bering Dr Suite 250, Houston, TX 77057, United States
homeloansbyali@gmail.com
(603) 391-6430
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Home Loans by Ali - NMLS 1922064 - 1811 Bering Dr. Suite 250 Houston, TX 77057. Home Loans by Ali is an Equal Housing Opportunity. All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products will not be available in all states. This is not a commitment to lend. For a full list of our licenses, please visit www.nmlsconsumeraccess.org

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