Mortgage Options

Which home loan option is right for you?

, we offer a variety of mortgage options designed to meet the needs of all types of borrowers, from to established homeowners looking to refinance their current mortgages. Whatever your financial needs and goals, our experienced home loan specialists can pair you with the mortgage option that is just right for you.

Call 1.888.546.2634 to speak to a knowledgeable Bank of Internet USA Mortgage Consultant who will help you find the right mortgage option for you.

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Custom Built Portfolio Loans

The mortgage experts of Bank of Internet USA custom build each Portfolio Loan to meet the individual needs of our customers on loan amounts ranging from $300,000 to $5 million, or even higher depending on the circumstances. We also offer Portfolio Mortgages customized to meet .

Conforming Loans

Conforming Loans, also known as conventional loans, are the most common types of loans in the United States mortgage market. These mortgages fall within the maximum loan amounts established by Fannie Mae and Freddie Mac and typically offer lower interest rates and lower monthly payments.

Government Loans

The United States Government has created special mortgage programs to help qualifying homebuyers afford the homes they want. A Bank of Internet USA Mortgage Consultant can help you decide whether a Government Loan such as an FHA Loan or a VA Loan is the right choice for you.

Home Equity Loans

A Home Equity Loan, Home Equity Line of Credit (HELOC), and Cash-Out Refinance are all options available to people who have equity in their homes and want to leverage that equity to their financial advantage.


Bank of Internet USA offers low interest rates and flexible options for loan amounts that exceed the conforming loan limits. Non-Conforming Loans are commonly used to purchase higher-priced properties, including luxury primary residences, second homes, and personal investment properties.


With an Interest-Only Mortgage from Bank of Internet USA, you can enjoy the flexibility of making payments on only the interest on your home loan whenever you choose for a period of between five and seven years. Of course, you can also make principal payments during that time, too. The choice is yours.

Jumbo Loans /
Million Dollar Loans

Bank of Internet USA is the premier provider of Jumbo Mortgages, , and Million-Dollar Home Loans to individuals looking to buy luxury homes, second homes, and investment properties.