VA Home Loans

A VA loan is a 100-percent financing option available to current and past members of the United States Armed Forces and qualifying survivor spouses. VA loans are backed by the United States Department of Veterans Affairs.

Federal Housing Administration (FHA) insured loans require a small down payment, but are flexible and can fit a variety of credit situations and income levels. Refinance, Cash Out Mortgages up to 85% of value are also available.

A conventional home loan is a mortgage that is not backed by a government agency. Conventional loans are often called "conforming" loans because they follow the lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). The right loan for you depends on your financial situation.

As mortgage brokers, we offer a wide range of out of the box lending solutions for investors, self-employed, alternative income, retired, and foreign nationals. This gives Bluebird Mortgage the ability to serve many borrowers who qualify for prime mortgages without having to provide income, employment, or DTI documentation.

We use secure submission software to protect information you provide on the loan application. Click here to start and make sure to have the following:

• Identification/Drivers License
• 30 Days of Most Recent Pay Stubs

• Last 2 years W2 Forms
• Last Two Months' Bank Statements

A reverse mortgage is a financial product designed for homeowners 62 and older that allows them to convert a portion of the equity in their home into cash. The appeal of a reverse mortgage is that it does not require the borrower to make monthly mortgage payments. Instead, the loan is repaid when the borrower sells the home or passes away.

One of the key benefits of a reverse mortgage is that it can provide a source of income for retirees who may be on a fixed income and need extra money to cover living expenses. It can also be used to pay off an existing mortgage, which can be a relief for homeowners who are struggling to make their monthly payments.