Gem Home Loans offers many types of mortgages and one will work for you.  Which one is right for you is determined by your goals, needs and specific scenario along with consultation from our team.  Nearly all of the programs below can be used for refinance or home purchase.  Don’t see a program below, do not assume we do not have it as we work as mortgage brokers and are partnered with dozens of investors to find you the best rate, costs, and programs.