Discover Our Diverse Loan Options at Bullfrog Financial
At Bullfrog Financial, we understand that taking out a mortgage is a significant financial decision. That's why we offer a variety of loan types tailored to meet your unique needs. Whether you're a first-time homebuyer, looking to refinance, or looking for that dream home, we have a solution for you. Our expert team is here to guide you every step of the way, ensuring that you understand your options and find the perfect loan to suit your financial goals. From fixed-rate mortgages to adjustable-rate options, our loans come with competitive terms and personalized service. Let us help you jumpstart your path to homeownership!
We Make it Easy
Financing should be accessible. That's why we give you options (and know how to use them).
Don't settle for a big box lender where you're just another number.
Call the Bullfrog team, where getting you home is the number one priority!
The Loan Process:
1. Get Pre-Approved
Start by filling out a quick application. We’ll take a look at your income, credit, and finances to determine what you qualify for—and how much home you can afford. This step gives you a clear budget and sets you up for success before you start shopping.
2. Find a Home & Make an Offer
Partner with a real estate agent to tour homes, make an offer, and negotiate terms. Don’t have an agent yet? We can help connect you with a trusted local pro. When you’re ready to make an offer, we’ll back you up with a strong pre-approval letter to show sellers you’re serious.
3. Finalize the Paperwork
Once your offer is accepted, we get to work behind the scenes. Our team will handle underwriting, collect any needed documents, and work closely with a loan processor to tie up all the loose ends. We’ll keep you updated every step of the way while we finalize your loan terms.
4. Close & Get the Keys
You’ll review and sign the final paperwork, send in your closing funds, and officially seal the deal. Once everything is complete, you’ll get the keys to your new home—and we’ll be the first to say congrats!
Loan Types:
Conventional
The most popular loan option for a reason. Conventional loans are great if you have good credit and stable income. You can buy a home with as little as 3% down, and you’ll need a credit score of at least 620. If you put down less than 20%, you’ll pay a little extra each month for mortgage insurance—but we’ll help you run the numbers and find the best fit.
FHA
FHA loans are perfect for first-time buyers or anyone who needs a little more flexibility. You can get in the door with just 3.5% down if your credit score is 580 or higher. Even if your score is lower (between 500–579), you may still qualify with 10% down. It’s a great option if you’ve had past credit bumps or need a lower barrier to entry.
VA
If you’re a veteran, active-duty service member, or surviving spouse, a VA loan might be your best option. You can buy a home with no down payment, no mortgage insurance, and low interest rates—saving you serious money upfront and over time. Most lenders look for a credit score of 580–620 or higher, but guidelines are flexible. This is one of the best benefits available to those who’ve served.
Non-QM
If you’re self-employed, own your own business, or have unique income, a Non-QM loan might be for you. These loans look beyond traditional pay stubs and tax returns—they can use bank statements, profit & loss reports, or even your assets to qualify. Down payments usually start around 10–15%, and you’ll typically need a credit score of 620 or higher. It’s a smart option if your finances don’t fit the usual mold.