Loan Programs &Mortgage Solutions

Discover competitive home loans, commercial real estate financing, FHA, VA, and Jumbo options tailored to your goals. Whether you're a first-time buyer, investor, or refinancing, get expert guidance from Billy Watkins – Sr. Mortgage Broker (NMLS 384700) for flexible terms, low rates, and a personalized path to closing.

#MortgageSmart

Equal Housing Lender

5-Star Client Reviews

NMLS 384700

Mortgage Programs

Explore our comprehensive selection of home loan programs designed for every borrower type. From first-time homebuyer programs with low down payments to investment property loans and commercial real estate financing, we offer competitive rates, flexible terms, and expert guidance. Whether you need FHA loans, VA home loans, jumbo financing, or specialized programs for self-employed borrowers, find your perfect mortgage solution below.

Fixed-Rate Loans

Lock in competitive rates and predictable payments for long-term financial stability. Ideal for homeowners who want peace of mind and budget-friendly planning.

Learn More →

Adjustable-Rate (ARM) Loans

Start with lower initial rates and payments, perfect for short-term homeowners or those expecting income growth. Flexible mortgage solution with rate adjustment periods.

Learn More →

FHA Loans

Government-backed home loans with flexible credit requirements and down payments as low as 3.5%. Perfect for first-time buyers and credit-friendly financing.

Learn More →

VA Home Loans

Exclusive zero-down mortgage benefits for veterans and service members. No PMI required, competitive rates, and flexible credit guidelines for military families.

Learn More →

Conventional Loans

Traditional mortgage financing with competitive rates, flexible terms, and down payments as low as 3%. Ideal for borrowers with good credit and stable income.

Learn More →

Jumbo Loans

High-value property financing that exceeds conventional loan limits. Competitive rates for luxury homes and expensive markets with flexible underwriting.

Learn More →

Refinance

Lower your mortgage rate, reduce monthly payments, shorten your loan term, or access home equity. Cash-out refinancing available for debt consolidation and investments.

Learn More →

HELOC

Flexible home equity line of credit for major expenses, home improvements, or investment opportunities. Access funds as needed with competitive variable rates.

Learn More →

DSCR Investor Loans

Investment property financing based on rental income potential, not personal income. Perfect for real estate investors building rental property portfolios.

Learn More →

Bank Statement Loans

Self-employed mortgage solution using bank statements instead of tax returns. Alternative income verification for entrepreneurs and business owners.

Learn More →

First-Time Home Buyer

Specialized programs and guidance for first-time homebuyers. Low down payment options, credit assistance, and step-by-step support through your first home purchase.

Learn More →

Debt Consolidation

Use home equity to consolidate high-interest credit cards and debts into one lower monthly payment. Cash-out refinancing available for financial simplification.

Learn More →

Home Loan Options Tailored to You

At Billy Watkins Mortgage, we understand that every borrower has unique financial circumstances and real estate goals. Our comprehensive mortgage broker services provide access to the best mortgage rates and tailored financing solutions across Missouri and beyond. Whether you're seeking first-time homebuyer programs, investment property mortgages, ormortgage refinancing options, our experienced loan officer guidance ensures you find the perfect fit.

Our residential mortgage programs include fixed-rate loans for predictable payments, adjustable-rate mortgages (ARM) for lower initial rates, and government-backed options like FHA loans and VA home loans. For high-value properties, our jumbo loan solutions provide competitive rates without conventional loan limits. Self-employed borrowers benefit from our bank statement loan programs and credit-friendly mortgage programs designed for non-traditional income verification.

Commercial & Investment Loan Programs

Real estate investors and commercial property buyers rely on our specialized commercial loan solutions and DSCR investor loans. Our investment property mortgage programs qualify based on rental income potential, not just personal income, making it easier to build your real estate portfolio. With low down payment loans and flexible underwriting guidelines, we help investors secure financing for single-family rentals, multi-unit properties, and commercial real estate.

Our commercial financing expertise extends to office buildings, retail spaces, warehouses, and mixed-use developments. We work with experienced investors and first-time commercial buyers alike, providing professional mortgage guidance throughout the entire process. From initial consultation to closing, Billy Watkins brings decades of industry knowledge and a network of lending partners to secure competitive terms for your commercial real estate investments.

Refinance & Debt Consolidation Loans

Take advantage of today's market conditions with our comprehensive mortgage refinancing options. Whether you want to lower your interest rate, reduce monthly payments, switch from an ARM to a fixed-rate loan, or access your home's equity, our refinance programs deliver measurable savings. Our debt consolidation loanshelp homeowners combine high-interest credit cards, personal loans, and other debts into a single, lower monthly payment using their home's equity.

HELOC (Home Equity Line of Credit) options provide flexible access to funds for home improvements, education expenses, or investment opportunities. With competitive rates and flexible repayment terms, a HELOC gives you the financial flexibility to achieve your goals. Our experienced team analyzes your current mortgage terms, home value, and financial objectives to recommend the most beneficial refinancing strategy for your situation.

Why Choose Billy Watkins Mortgage?

Licensed Expertise

Billy Watkins is a Senior Licensed Mortgage Broker (NMLS 384700) with decades of experience helping clients secure the best mortgage rates and terms available.

Competitive Rates

Access to multiple lending partners ensures you receive competitive rates and terms, whether you're buying, refinancing, or investing in real estate.

Personalized Service

From initial consultation to closing, receive dedicated support and clear communication throughout your mortgage journey.