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Loan Programs

Types of Mortgage Loans

  • Conventional mortgage loans (purchase & Refinance & cash out refinance)
  • HIP – Home Improvement Financing

    • Finance updates from flooring, windows and paint to a complete home renovation. – Available for both Purchase and/or refinance loans. Conventional rehab loan.


Loan Types:  Purchases, Refinance loans, Cash Out-Refinance loans

Conventional Residential Mortgage Loans

  • Fixed Mortgage Loans: 10, 15, 20, 25, 30 Year Loans
  • Customize your term (choose the # of years for your loan)
  • Adjustable Rate Loans (ArM’s) 3/1, 5/1, 7/1, 10/1 ARM’s

Purchase / Refinance / Cash Out

Purchase up to 95% of the purchase price

Refinance (Rate & Term) up to 95% of appraised value

Cash Out Refinance up to 80% of the appraised value

Refinance when you are upside down with the value of your property. (You owe more than the value of your property).

HARP Refinance Loans

  • Fannie Mae HARP
  • Freddie Mac (LP Open Access)
  • If you have MI (Mortgage Insurance), we can transfer mortgage insurance from your existing loan to the new loan.


FHA Mortgage Loans

  • FHA Purchase loan to 96.5% Loan to Value
  • FHA Refinance to 96.5% Loan to Value
  • FHA Cash out FHA loans to 85% Loan to Value
  • FHA Streamline loan – using the original loan amount
  • credit qualifying streamline refinance
  • no-credit qualifying streamline refinance
  • Conforming loan limits & Jumbo FHA loan limits in the respective county of the property the house is located in.


Reverse Mortgage Loans (Seniors 62 & older)

A Reverse Mortgage loan is a federally insured financial tool that allows qualified senior homeowners age 62+ to convert a portion of their home equity into a stable source of supplemental cash flow. It helps deliver the financial security you need to stay at home and live independently—without having to sell your house, give up the title, or make monthly mortgage payments.


VA Mortgage Loans

VA Mortgage Loans






USDA Loans

The Advantages

  • No Down payment is required., 100% loan amount of the purchase price
  • Flexible credit score guidelines.
  • No maximum purchase price limit.
  • Closing costs can come from any source including gifts / Seller can contribute closing costs
  • Repairs and improvements can be included in the loan.
  • Competitive fixed 30-year rates.


 Jumbo Mortgage Loans – Loan amounts over $416,000
  • Super Jumbo Loans
  • Jumbo 2nd Mortgages
  • Purchase/ Refinance /Cash Out
  • Up to 2.5 Million
  • Larger Loans are on a case by case scenarios – Based on Credit & Loan amount
  • Fico Score & Loan to Value restrictions apply
  • Jumbo Fixed Loan (15 & 30 year fixed mortgage loans)
  • Jumbo ARM’s


HELOC Mortgage Loans & 2nd Mortgages

Stated Income Investment properties

Hard Money

  • Purchase & refinance
  • Residential & Commerical
  • Loan amount is on a case by case scenarios

Commercial Loans | Commercial Loans

  • Purchase & refinance
  • Loan amount is on a case by case scenarios


Church Loans

We help churches with financing.

  • Purchase loans for church’s
  • Refinance Loans for church’s


Factoring of Invoices

We help companies with factoring of invoices.

This is great for the following industries:

  • Manufacturing
  • Delivery of Goods
  • Trucking companies

“These materials are not from HUD or FHA and were not approved by HUD or a
government agency.” (ML 2014-10).

  • Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.

  • Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.

  • Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.

  • Easy online Application
    Online Mortgage Application

  • eho 1

    All loans subject to credit approval. Rates and fees subject to change. Mortgage financing brokered by Mortgage Miracles Happen, LLC. Equal Housing Lender.
    Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah.
    NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251;
    Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900,
    UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE,
    Texas TDSML Texas Recovery Fund
    All rights reserved. © 2017

    Tel: 1-(801)-399-2364 | Texas Office Tel: 1-(281) 724-7423|

    Have Question About
    The HARP Process?