Explore Your Mortgage Loan Options and Mortgage Loan Programs

Learn about the various mortgage options available today. When you’re ready, kick off the process by applying for mortgage pre-approval and speaking with our mortgage experts right away.

Explore the most popular mortgage loan options in 2026 offered by Scout Advisors of North Carolina best mortgage broker in wake county

Mortgage Loan Options Offered by Scout Advisors in 2026

Discover your available mortgage loan options and find the perfect mortgage to turn your dream home into a reality. Our experts can help you compare different mortgage loan options to choose the best fit for your budget.

conventional loans offered
Conventional
Conventional loans are the most common mortgage type in the country, making up the majority of originations.  They feature fixed and variable rates and offer durations from 10 to 30 years.
FHA Mortgages offered by Scout Advisors in 2026
FHA
FHA loans are designed to promote homeownership by assisting borrowers with lower credit scores or limited funds for down payments. 
VA Loan Options
VA
VA loans are for eligible Veterans, active-duty service members, and qualifying surviving spouses in purchasing, refinancing, or improving a home.
USDA loans offered by Scout Advisors. Best USDA lenders in North Carolina
USDA
USDA loans are designed to make homeownership more accessible in eligible rural and suburban areas by offering affordable financing, especially for low- to moderate-income households. 
Best Jumbo loans & jumbo mortgages offered by Scout Advisors in 2026
Jumbo
If you’ve outgrown your starter home or are upgrading to a dream property, a jumbo loan helps you finance homes priced above standard limits.  A jumbo mortgage is a larger loan for properties exceeding Fannie Mae/Freddie Mac conforming thresholds, making it non-conforming.
The best Renovation loans and renovation mortgages in 2026 | Offered by Scout Advisors
Renovation
Renovation loans offer flexible financing tied to your home’s increased value once improvements are finished. Perfect for upgrading your existing home or purchasing a property with renovation potential, they help you build the ideal living environment you desire.  We offer conventional, FHA, VA and fix & flip renovation loans.
The Best Ground Up Construction & New Construction Loans in 2026 | Offered by Scout Advisors in North Carolina
Ground Up Construction
Ground-up construction loans (also called construction-to-permanent loans) finance the construction of a new home  from scratch, often including land acquisition, materials, labor, and related costs. These differ from renovation loans (which fund improvements to existing properties). We offer conventional, FHA and VA new construction loans.    
The best Down Payment Assistance loans and mortgage loans in 2026 | Offered by Scout Advisors in North Carolina
Down Payment Assistance
Down payment assistance (DPA) programs provide financial help—in the form of grants or second mortgages — to cover all of a homebuyer’s down payment and sometimes closing costs (when the purchase agreement is structured properly).
The Best DSCR Loans and DSCR Mortgages in 2026 for North Carolina
DSCR Loans
A Debt Service Coverage Ratio loan (DSCR) allows borrowers to qualify for financing based on the actual or anticipated rental income, rather than personal income. Lenders evaluate whether the rental income is sufficient to cover 100% of the mortgage payment. 
The Best Bank Statement Loans and Bank Statement Mortgages in 2026 for North Carolina
Bank Statement loans
A bank statement loan allows borrowers to qualify based on their bank statements, rather than tax returns and pay stubs. Qualifications can be 12 or 24 months of business or personal statements.
Profit and Loss loans for self employed borrowers offered by Scout Advisors
Profit & Loss Loans
A profit and loss loan (P&L) qualifies a business owner on their income statement instead of tax returns. Qualifications can be 12 or 24 months, giving lenders a clear picture of your earning power, taking into account tax deductions that make your reportable income lower than real cash flow.
Mortgage Refinance - Find your best options in 2026 | Scout Advisors
Refinance
Explore refinancing to potentially reduce your monthly mortgage payment with today’s lower rates, accelerate payoff with a shorter term, or tap into your home equity to fund renovations, payoff debt, or manage other large expenses

How Our Team at Scout Advisors Helps You Navigate Mortgage Loan Options with Ease

The team of mortgage experts at Scout Advisors is here to help you explore the best mortgage loan options available today. By leveraging a wide range of mortgage programs and the latest technology, we make it easier to navigate the mortgage process and find the perfect loan for your dream home. Learn more about all our mortgage loan options and apply for pre-approval today to get started!

 
jjackson@barrettfinancial.com