Omega Loan
Programs

Omega Financial Services offers a wide range of services for the unique needs or your family or business.
Our non-traditional services are flexible enough to offer you competitive rates, extensive cost savings to drive revenue and
reduced time-cycles in the overall process. We review your personal situation and identify niche programs that best suit your needs.

FHA Loan Program

An FHA Loan is a mortgage loan insured by the Federal Housing Administration. FHA insurance protects mortgage lenders, allowing them to offer loans with below-average interest rates, easier credit requirements, and low down payments.
Great option for First- Time Buyers
Down payments as low as 3.5%
Low closing costs
Easy credit qualifying
Options for seniors available
Streamline refinancing available

FHA 203(k) Loan

The FHA 203(k) Loan lets you purchase or refinance and rehabilitate a property with one loan closing. The projected rehabilitation costs are held in an escrow account and disbursed as work is completed and inspected. The loan amount is based on the lower of the projected market value following the repairs or purchase price plus renovation costs.
Update or modernize a property
Down payments as low as 3.5%
Allows for 1-4 units dwellings
Some condominiums are eligible
Great way to build equity fast

Jumbo Home Loan

A Jumbo Loan or Jumbo Mortgage, is a mortgage loan that exceeds the limit set by the Federal Housing Finance Agency. Jumbo loans cannot be secured by Fannie Mae or Freddie Mac, which makes these loans riskier for lenders.
Can be used for First-Time Buyer
Ability to exceed county loan limits
Finance up to $2.5 Million
Options for fixed- rate mortgage
Options for adjustable-rate mortgage
May not require mortgage insurance

Conventional Loan Program

Conventional mortgage loans are loans that are not insured by the government, instead it is available through or guaranteed by a private lender or the two government-sponsored enterprises—Fannie Mae and Freddie Mac.
Great for second home or investment
Down payments as low as 3%
May be able to avoid PMI
Options for fixed- rate mortgage
Options for adjustable- rate mortgage
Can typically borrow more than FHA

Adjustable-Rate Mortgage (ARM)

An Adjustable Rate Mortgage is a home loan with an interest rate that adjusts over time based on market conditions.This mortgage starts with a 30 yr term and stays fixed for a specific number of years before it begins to adjust.
Take advantage of fixed-rate period
Good for starter home or investment
Lower initial rates
Flexible fixed-rate payments
Options for 5/1, 7/1, 10/1 terms

VA Home Loan

VA Loans are loans that are backed by the Department of Veterans Affairs. These Loans are offered to qualified veterans, active-service members and their spouses or surviving spouses.
No down payment for purchase
Competitive rates
Options for streamline refinance
No private mortgage insurance
Options for fixed-rate available
Options for adjustable-rate available
Ability to use benefit more than once

First Responder Mortgage Program

Countless Americans rely on firefighters, police officers and EMTs to keep them safe in the event of an emergency. It’s important that communities and organizations give back to those who put their lives on the line to protect the general population. At Omega Financial Services, we strive to support the men and women who work in this vital line of duty.
Low down payments
580 Credit score minimum
Low-interest rate
Easier to qualify

Leading with Experience

25 years in the business has allowed us to differentiate ourselves from our comeptitors.

Quality Services

Our services have helped families, businesses and investors make their dream of homeownership a reality.

Tailored Experiences

At Omega, each experience is unique to your own finances and financial goals.

Reliable Business

Our clients can count on us to help them find the best financial solutions.

Competitive Rates

Our rates are competitive, and we work with you to find the best one.

Commitment to Integrity

We are commited to remaining transparent and honest in the process.

Quality Staff

Our team is made up of high quality professionals who are willing and able to help you.

Fast Closings

Our in-house teams are working around the clock to help you close the deal.

Good Relationships

We believe that fostering and maintaining good business relationships are the key to our success.

/ Omega Achievements

Fast Facts For You

$100+

Over $100 million in loans funded for residential and commercial mortgage

500+

We’ve helped more than 500
families achieve their financial goals

8000+

We are now a big family of satisfied clients and referral business

Join Our Talent Network

We are looking for ambitious, self- starters to join our growing team. We offer comprehensive pay and a benefit package that includes paid time off, medical and dental benefits.

We have immediate Openings for Mortgage Loan Officers, Production Coordinators, Mortgage Loan Processors and Underwriters.

Join our network of highly skilled professional and grow with a growing company!

Email your resume to: humanresources@omegaloans.net