JFK Financial
What we offer

Loans for every kind of borrower.

Our commitment is to provide you with a seamless, informative and pleasant borrowing experience. We specialize in residential loan programs.

Conventional Loans

A conventional mortgage is any home buyer's loan that is not offered or secured by a government entity.

  • —Available through private lenders like banks, credit unions, and mortgage companies like JFK.
  • —Some Conventionals can be guaranteed by Fannie Mae and Freddie Mac.
  • —Flexible terms for buyers with strong credit and steady income.

FHA

A Federal Housing Administration (FHA) loan is a mortgage insured by the FHA and issued by an FHA-approved lender.

  • —Designed for low- to moderate-income borrowers.
  • —Lower minimum down payment and lower credit scores than many conventional loans.
  • —Popular with first-time homebuyers.

VA

Backed by the U.S. Department of Veterans Affairs — our way of saying thank you for your service.

  • —Exclusive benefit for active-duty service members, veterans, and eligible surviving spouses.
  • —No down payment required for most qualifying borrowers.
  • —No private mortgage insurance, competitive rates.

VA IRRRL

An Interest Rate Reduction Refinance Loan (IRRRL) lets veterans refinance an existing VA loan at a better rate.

  • —VA-to-VA refinance designed to lower your interest rate or monthly payment.
  • —No minimum income required, and no income restrictions.
  • —No monthly mortgage insurance required.

Refinance

Revising and replacing the terms of an existing credit agreement — usually to your benefit.

  • —Lower your monthly payment or shorten your loan term.
  • —Tap into your equity for renovations, debt consolidation, or major life events.
  • —Switch from an adjustable-rate to a fixed-rate mortgage.

FHA Streamline

A streamlined refinance for existing FHA borrowers — designed for speed and simplicity.

  • —Reduced documentation and faster processing.
  • —No appraisal required in many cases.
  • —Available for borrowers already in an FHA loan.

Down Payment Assistance

Closing-cost and down payment help so you can stop renting and start owning sooner.

  • —Grants and forgivable second mortgages for qualified buyers.
  • —Pair with FHA, VA, or Conventional first mortgages.
  • —Designed to help first-time and moderate-income buyers get to the closing table.

Non-QM

Non-Qualified Mortgages for borrowers and investors who don't fit the traditional underwriting box.

  • —Bank statement loans for self-employed borrowers.
  • —Investor cash flow (DSCR) loans based on rental income.
  • —Asset-based qualification options.

HELOC / Jumbo Buster

Home Equity Lines of Credit and our specialized Jumbo Buster product for high-value homes.

  • —Tap into your home's equity with a flexible line of credit.
  • —Use for renovations, education, or to consolidate higher-interest debt.
  • —Jumbo Buster options for high-value properties.

Not sure which one is right?

Tell us a little about your goals — a JFK loan officer will follow up within one business day with a personalized recommendation.

Call (866) 895-4333