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Commercial Loans
Commercial Loans About Buckingham Mortgage is recognized for its residential loan financing, but our capabilities reach further into the commercial sector. We have established a specialized commercial financing division, forming alliances with a network of seasoned, reliable, and expertly trained commercial lending partners. Our mission is to simplify the lending process for our clients, removing ... Read more
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Non Qualified Mortgage (NON-QM)
Non Qualified Mortgage (NON-QM) Non-QM loans, or non-qualified mortgages, have emerged as a valuable option for borrowers with unique financial circumstances. They represent a departure from traditional lending standards by offering flexibility in income verification and borrower eligibility criteria. Unlike qualified mortgages (QM), which adhere strictly to regulatory guidelines, non-QM loans cater to individuals with ... Read more
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Reverse Loans
Reverse Loans Single-Purpose Reverse Mortgage What Is A Single-Purpose Reverse Mortgage? Single-purpose reverse mortgages allow homeowners aged 62 or older to borrow against their home equity to fund a single, lender-approved purpose, such as paying property taxes or performing maintenance on the home. Typically, this is the least expensive type of reverse mortgage to take ... Read more
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Conventional Loans
Conventional Loans Options What Is a Conventional Mortgage or Loan? A conventional mortgage is a homebuyer’s loan made through a private lender. Compared to a Federal Housing Administration (FHA) loan, a conventional loan often offers a higher interest rate. It can also require a higher credit score to qualify. Conventional loans are not offered or secured ... Read more
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Government/Agency Loans
Government/Agency Loan Options What Is a Government/Agency Loan? Government-backed home loans like VA, FHA, and USDA loans play a crucial role in making homeownership accessible to various groups of people. These loans are insured or guaranteed by federal agencies, providing better terms and interest rates for qualified applicants. Since they are insured by the federal ... Read more