Loan Types

Orchard Hill Mortgage Company offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

Fixed Rate Loans

30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
Buy a home with as little as 5% down (primary home).
Refinance up to 95% of your primary home’s value.
Monthly payments remain the same for the entire loan term.

Adjustable Rate Loans

3/1, 5/1, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
Provides veterans with flexible lending options and loan security.
The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loans

3.50% down payment required on purchase.
Minimum credit score usually 620.
Post-bankruptcy qualifying – 2 years after.
Post-foreclosure qualifying – 3 years after.
VA Loans

Competitive interest rates that are routinely lower than conventional rates.
Sellers can pay up to 6 percent of closing costs and concessions.
Higher allowable debt-to-income ratios than for many other loans.
0% down payment required on purchase.

30 year Fixed Rate Conventional Loan

30 year Fixed Rate Conventional Loan
Conventional loans typically are harder to qualify for than FHA loans and require a slightly higher down payment. However, in some cases rates can be lower and have lower closing costs. Also, monthly mortgage insurance is usually less or can be nothing with 20% down payment.

Term: 30 years Maximum Amount: $417,000

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.


Conventional High Balance Nationwide up to 90% LTV

Offer your borrowers high balance loans up to 90% LTV featuring UWM’s exclusive M.I. buyout to all of your borrowers nationwide. Even those outside of the counties eligible under Fannie Mae and Freddie Mac. Instead of having to opt for a Jumbo loan.

Program highlights include:
UWM’s Mortgage Insurance Buyout is typically cheaper that LPMI with no M.I. certificate needed
680+ FICO, 43% max DTI
Purchases up to 90% LTV refinances up to 80% LTV
Loan amounts from $453,101-$679,650
Eligible for primary and second homes

Conventional 3% Down Payment

HomeOne is a new low down payment mortgage option available to all first-time homebuyers — no matter where they live or how much they earn.

No income limits
No county restrictions
Down payment as low as 3%
Gift funds accepted from family members
Available on conventional fixed-rate loans
Minimum 640 credit score

Make home ownership a reality for more of your borrowers. Check out HomeOne and all of our other low down payment options today.


Pay Advantage – as little as 3% Down and No Mortgage Insurance

Eliminate monthly mortgage insurance and increase your borrower’s buying power! Pay Advantage offers your clients one of the lowest monthly payments available with a low down payment.

Up to 97% LTV with no monthly M.I.
100% gift for down payments eligible
Underwrite to AUS findings
M.I. certificates issued in house with no M.I. overlays



The obvious choice for your top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, UWM’s Elite program allows you to close quickly, while generating solid referrals.

740+ FICO
Up to 80% LTV
Loan amounts from $250,000 up to County Loan Limits
Property Inspection Waivers honored
Underwrite to AUS findings
Includes Conventional, High Balance and ARMs


FHA – Portfolio Loans

Special Program for borrower with less then stellar credit

580+ FICO 3.5% down
500-579 FICO 10% down
All fixed term mortgages
Single family primary residences