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Not all loans work for every homebuyer — certain buyers may need a more specific type of financing to fit their situation. At HUNT Mortgage our team provides homebuyers with a wide range of specialty loans designed to suit a variety of needs.

Wondering if a specialty loan might be right for you? Take a look at our offerings below to see if one of them might work for you.

A variety of non-conventional loans to meet your needs.


If you are planning to use your current home’s equity as a down payment on your new home, then a bridge loan may be the right choice for you. HUNT Mortgage offers the Golden Gate – The Bridge to Your New Home. The Golden Gate allows homeowners to purchase a new primary residence with the assistance of a bridge loan on their current residence from HUNT Mortgage. As an added benefit, if you use a licensed real estate sales professional affiliated with a HUNT Real Estate company, the Golden Gate guarantees that if your current residence does not sell, it will be purchased by HUNT Real Estate Corporation.

Bridge Loan Benefits:¹

  • The property will be purchased at 85% of the gross market price³
  • There will be no monthly payments for the bridge loan, payment is due at the end of the term


Many condos are considered “non-warrantable” and therefore don’t qualify for traditional home loans. However, non-warrantable condo loans exist to help buyers purchase these types of properties.

Features include:

  • Maximum loan-to-value ratio of 90%
  • Condo complex allowed to have up to 60% investor concentration
  • Standard conventional financing guidelines
  • Primary, second home and investment ownership permitted

203(K) LOAN

Are you purchasing a home that needs significant repairs or renovations? Through the 203(k) Rehab Mortgage Program, sponsored by the Federal Housing Association, you can receive one loan that covers both the home and any improvements needed to make the property ready for move-in.

Features include:

  • Ability to finance home improvements/repairs into one loan
  • Up to 6 months of mortgage payments can be financed during the renovation period
  • Property must be an owner-occupied primary residence
  • 1–4 units allowed
  • One loan, one closing
  • Gift funds allowed
  • Seller concessions acceptable


Loans through the United States Department of Agriculture (USDA) are designed to help those with low to moderate incomes purchase safe, affordable and quality housing in designated rural areas, with minimal out-of-pocket costs.

Features include:

  • Only owner-occupied, primary, single-family homes allowed
  • No down payment required, 100% financing
  • No asset or reserve requirements
  • Gift funds allowed
  • Existing homes and new construction allowed
  • FHA-approved condos and planned unit developments (PUDs) allowed
  • Guarantee fee can be financed into the loan amount
  • Seller concessions acceptable


A HomeReady loan from Fannie Mae is ideal for low- to moderate-income homebuyers with lower credit scores who might struggle to get approved for a traditional loan.

Features include:

  • Gifts and grants to put toward down payment are allowed — there is no minimum amount of personal funds required
  • Available for both first-time and repeat homebuyers
  • Co-buyers don’t need to live in the property
  • Rental payments can be used as a source of income

Find a loan that works for you.

If conventional loans aren’t suiting your needs, one of our specialty loan options may be the perfect fit. Our Mortgage Consultants are here to review your situation so you can find the loan that empowers you to purchase your dream home. To get started, contact us or request a quote today.


¹ Benefits subject to change
³ Guarantee subject to approval by authorized representative of HUNT Real Estate Corp. following application.
**HUNT Mortgage is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.

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