West One Capital Group

Our Mortgage Services

Comprehensive loan solutions tailored to your needs — from first-time buyers to seasoned home owners.

100% Doctor Financing

Exclusive financing programs for medical professionals with no mortgage insurance required. We offer specialized programs for doctors, offering 100% financing for the purchase of primary residences without a down payment.

No mortgage insurance (MI)
Up to 100% financing
No PMI funds allowed to accumulate
Student loan payments excluded
Available for MD, DO, DDS and DMD

Frontline / First Responders Grant

Special grant program for heroes who serve our communities — up to 3.5% grant toward down payment or closing costs. This exclusive program is designed to honor and support our communities' first responders.

Up to 3.5% grant toward down payment
No repayment required
Available for nurses, firefighters, police
Homeownership more accessible
Serving those who serve us

Conventional Loans

Traditional mortgage financing with competitive rates and flexible terms for qualified borrowers. Conventional loans are ideal for borrowers with good credit scores and can handle loans up to conforming limits.

Down payments from 3% to 20%
Fixed and adjustable rate options
Loan amounts up to conforming limits
No upfront mortgage insurance with 20% down
Streamlined refinance options available

FHA Loans

FHA loans are backed by the Federal Housing Administration and are designed for first-time buyers and those with lower credit scores. They are particularly popular among first-time homebuyers and those with limited savings.

Down payment as low as 3.5%
Credit scores as low as 580 accepted
Competitive interest rates
No prepayment penalties
Assumable by qualified buyers

VA Loans

Exclusive mortgage financing for military veterans, active duty service members, and eligible spouses. VA loans are guaranteed by the U.S. Department of Veterans Affairs, making homeownership more affordable for those who served.

100% financing — no down payment required
No private mortgage insurance (PMI)
Competitive interest rates
No prepayment penalties
Property must be in eligible rural area

USDA Loans

USDA loans are backed by the United States Department of Agriculture and are designed to promote homeownership in rural and suburban areas. These loans offer 100% financing for eligible properties.

Last-minute purchase financing limits
Competitive jumbo rates
Higher credit score requirements
Larger down payment needed
Underwriting flexibility available

Jumbo Loans

Financing solutions for luxury properties exceeding conventional conforming limits. Jumbo loans are designed for high-value properties that exceed the standard conforming loan limits set by Fannie Mae and Freddie Mac.

Sale and cash-out refinancing
Competitive jumbo rates
Streamlined refinance programs
Lower interest rates
Improved short-term options

Non-QM Loans

Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who don't fit the traditional lending box — including self-employed individuals, real estate investors, and those with unique income situations. We offer flexible documentation options without sacrificing competitive rates.

Bank statement loans for self-employed
Asset depletion / asset utilization
DSCR loans for real estate investors
Interest-only payment options
Recent credit events considered

Refinance Options

Multiple refinancing solutions at lower rates, reduce monthly payments, or tap into your home's equity. Refinancing allows you to replace your existing mortgage with a new loan, potentially saving thousands over the life of your loan.

Lower your monthly payments
Cash-out refinance available
Competitive interest rates
Streamlined refinance programs
Debt consolidation opportunities

First-Time Homebuyer Programs

Specialized programs and assistance for those purchasing their first home. We offer specialized educational resources, down payment assistance programs, and tailored loan options that make the process simple and affordable.

Down payment assistance available
Lower interest rates
Educational resources provided
Competitive interest rates
Flexible down payment options

Adjustable-Rate Mortgages (ARM)

Adjustable-rate mortgage options with initial lower rates that adjust over time. ARMs can be a smart choice for borrowers who plan to sell or refinance before the initial fixed-rate period ends.

Consistent monthly payments
Fixed interest rate
Long-term stability
Easy budgeting
No surprises

Fixed-Rate Mortgages

Stable, predictable mortgage payments with interest rates that never change. Fixed-rate mortgages are the most popular loan type because they offer consistent monthly payments and long-term stability.

Consistent monthly payments
Fixed interest rate for life of loan
Long-term stability
Easy budgeting
Protection from rate increases

Ready to Get Started?

Contact us today to discuss which mortgage product is right for you.