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House Viewing

Our Loan
Programs

At Cinergy Mortgage LLC, we understand that buying a home is one of the most significant financial decisions you’ll ever make. That’s why we offer a variety of mortgage solutions tailored to meet your unique needs. Whether you're a first-time homebuyer, looking to refinance, or purchasing your dream home, we have the right loan program to help you achieve your goals.

1 

Conventional Loans

  • Competitive interest rates and flexible terms

  • Ideal for buyers with strong credit and a sizable down payment

  • No private mortgage insurance (PMI) with a 20% down payment

2

VA Loans (Veterans Affairs)

  • Exclusive financing for U.S. military veterans, active-duty service members, and eligible spouses

  • 100% financing with no down payment required

  • No PMI or prepayment penalties, making homeownership more affordable

3

FHA Loans (Federal Housing Administration)

  • Low down payment options starting as low as 3.5%

  • Easier qualification for buyers with less-than-perfect credit

  • Ideal for first-time homebuyers or those with limited financial history

4

USDA Loans (U.S. Department of Agriculture)

  • 100% financing for eligible rural and suburban areas

  • No down payment requirement, with competitive interest rates

  • Designed to help low-to-moderate income buyers in eligible areas

5

Ohio OPHA Down Payment Assistance Program

  • A state-funded program to help Ohio residents with down payment and closing costs

  • Grants and forgivable loans available for first-time homebuyers

  • Income and property eligibility requirements apply to maximize assistance

6

Physician Loans

  • We offer Physician Loans, designed specifically for medical professionals, providing them with flexible terms, low down payments, and no private mortgage insurance (PMI) requirements—ideal for those in the healthcare industry.

7

Bridge Loans

  • Cinergy Mortgage also offers Bridge Loans, a short-term financing option that helps homeowners secure a new property before selling their current one, making the transition seamless and stress-free.

8

DSCR Loans (Debt Service Coverage Ratio Loans)

  • Additionally, the company specializes in DSCR Loans (Debt Service Coverage Ratio Loans), catering to real estate investors who may not have traditional income documentation, allowing them to qualify based on the cash flow generated by the property.

8

Bank Statement Loans

  • For self-employed individuals or those with non-traditional income sources, Cinergy Mortgage provides Bank Statement Loans, offering an alternative to conventional loan products by using bank statements instead of tax returns to verify income, making homeownership accessible to more borrowers. With a commitment to personalized service and competitive rates, Cinergy Mortgage LLC delivers tailored loan solutions to fit the unique financial situations of its clients.

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