Buyer Resource Page

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Your Financing Solution for Traditional and Non-Traditional Borrowers

Whether you're purchasing your first home, investing in real estate, buying land, building a custom home, or refinancing a unique property, Legacy Mortgage offers a variety of financing solutions designed to meet your needs.

Buy a Home with Little to No Money Out of Pocket

Perfect for first-time homebuyers or anyone wanting to preserve cash for moving expenses, furniture, home improvements, or emergencies.

Program Highlights

✔Up to 100% Financing Available

✔No Private Mortgage Insurance (PMI)

✔Available for Primary Residences

✔Competitive Interest Rates

✔Fast Approval Process

Financing Beyond Traditional Guidelines

Designed for borrowers with unique financial situations, including self-employed individuals, non-conforming properties, and specialized lending needs.

Program Highlights

✔Up to 90% Loan-To-Value

✔No PMI Options Available

✔Fixed and Adjustable Rate Programs

✔Jumbo Loan Options

✔Ideal for Unique Credit Profiles

✔Excellent for Non-Conforming Properties

Build Wealth Through Real Estate

Created for investors looking to purchase rental properties and expand their real estate portfolio.

Program Highlights

✔10% Down on Single-Family Investment Properties

✔20% Down on 2-4 Unit Properties

✔Rate & Term Refinancing Available

✔No Cash-Out Requirement

✔Up to 90% Loan-To-Value

✔No PMI

✔Minimum FICO Score of 700

Purchase Land and Build Your Dream Home

Flexible financing for buyers purchasing vacant lots with plans to build.

Program Highlights

✔No PMI

✔Fixed and ARM Options

✔Up to 95% LTV for Loans up to $125,000

✔Up to 90% LTV for Loans from $125,000 - $200,000

✔Up to 80% LTV for Loans from $200,000 - $500,000

✔Available on Lots Up to 40 Acres

Finance Hunting, Recreational, and Outdoor Property

Designed for buyers looking to purchase recreational land without immediate plans to build.

Program Highlights

✔Properties Between 40 and 100 Acres

✔75% Loan-To-Value

✔Financing Available Up to $500,000

✔Fixed and ARM Programs Available

✔Purchase and Refinance Options

✔Fully Amortized Over 30 Years

Financing for Condominiums That Don't Meet Conventional Guidelines

A flexible lending solution for owner-occupied condominiums and second homes.

Program Highlights

✔Up to 95% Loan-To-Value

✔No PMI

✔FICO Mid-Score Above 700

✔Cash-Out Refinance Up to 80% LTV

✔Available for Primary and Secondary Residences

Thank You For Your Service

Special mortgage benefits available for:

• Police Officers

• Firefighters

• EMS Personnel

• Dispatchers

• Teachers

• Registered Nurses

Program Highlights

✔0% Down Payment Options

✔No PMI

✔Reduced Lender Fees

✔Competitive Interest Rates

✔Streamlined Approval Process

✔Personalized Guidance

✔Transparent Process

✔Competitive Rates

✔Fast Closings

✔Creative Financing Solutions

✔Local Service & Support

✔Programs Designed for Real-World Borrowers