THE BEST MORTGAGE DEALS DELIVERED TO YOU!
Your Mortgage. Your Way.
At 806 Mortgage, we simplify the path to homeownership by bringing the best mortgage options directly to you. Instead of spending time and energy shopping around, we do the heavy lifting—comparing lenders to secure the most competitive rates and terms tailored to your needs.
Our mission is to save you time, reduce stress, and ensure you get the best deal, so you can focus on what matters most: achieving your dream of homeownership.
HAPPY HOMEOWNERS
NOT SURE WHERE TO START?
That’s okay—we’re here to make it simple!
Taking the first step is simple with our Quick Quote. Whether you’re just exploring your options or ready to move forward, we’ll help you get started with a personalized estimate.
OUR SIMPLE PROCESS
Getting the best rate should be straightforward and transparent. We make it fun, too!
STEP 1
We compare mortgage rates from multiple lenders to find you the best deals available.
STEP 2
We present a variety of options, so you can make an informed decision with ease.
STEP 3
We secure the best deal, saving you time, money, and effort for your dream home.
Ready to build your dream home?
Building your dream home should be as simple and rewarding as possible. At 806 Mortgage, we’re committed to clear, transparent communication and making the process stress-free. We’ll help you secure the best possible rate, so you can focus on creating a space that reflects your unique style and needs—without worrying about overpaying. Let’s turn your dream into reality with savings and peace of mind!
Buying your first home?
Buying your first home is a thrilling milestone, and at 806 Mortgage, we’re here to make it simple. This is your first big step toward independence, stability, and creating a space that’s truly yours. With our expertise and clear guidance, we’ll help you secure the best mortgage possible—so you can focus on turning your dream home into reality!
Looking to refinance?
Refinancing your home is a great way to save money and open new opportunities. Whether you want lower payments, a shorter loan, or access to your home’s value, 806 Mortgage makes it simple, and stress-free. We’ll guide you through each step transparently, helping you get the best rates and terms. Let us help you take control of your finances and build a secure future.
Why 806 Mortgage?
Experience and Expertise
With 33+ years of combined experience, Valerie and Jim Vineyard lead 806 Mortgage with a deep understanding of mortgage lending and a proven track record of helping clients achieve their homeownership and financial goals.
Personalized Service
At 806 Mortgage, we believe every client is unique. Valerie, Jim, and their team provide tailored solutions to meet your specific needs, ensuring a seamless and stress-free mortgage experience. 806 Mortgage delivers delivering fast, reliable results with an average of 11 days contract to close!
Impeccable Reputation
With countless happy clients and glowing reviews, 806 Mortgage has earned a reputation for excellence in home financing. Trust Valerie and Jim to guide you every step of the way.
OUR MORTGAGE OPTIONS
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![Construction Loans]()
Construction Loans
Planning to build or renovate your dream home? Construction loans provide short-term financing to cover the costs of materials, labor, and permits, with funds distributed as the project progresses. Once the construction is complete, these loans can often be transitioned into a traditional mortgage.
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![Jumbo Loans]()
Jumbo Loans
Need financing for a high-value property? Jumbo loans are designed for homes that exceed the Federal Housing Finance Agency's (FHFA) conforming loan limits. These loans typically require strong credit, a larger down payment, and a lower debt-to-income ratio, making them a smart choice for luxury homebuyers.
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VA Loans
VA loans offer unparalleled benefits to veterans, active-duty service members, and eligible spouses. With no down payment, competitive interest rates, and no private mortgage insurance (PMI), these government-backed loans make homeownership more affordable for those who have served.
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![FHA Loans]()
FHA Loans
Whether you're a first-time homebuyer or someone with less-than-perfect credit, FHA loans provide a pathway to homeownership. Backed by the government, they feature low down payment options (as little as 3.5%) and lenient credit and income qualifications, offering a more accessible alternative to conventional loans.
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![USDA Loans]()
USDA Loans
Looking to buy a home in a rural or suburban area? USDA loans make it possible with no down payment, low interest rates, and flexible credit requirements. These government-backed loans are an excellent option for low- to moderate-income buyers seeking affordable homeownership.
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![Bank Statement Loans]()
Bank Statement Loans
Ideal for self-employed individuals or business owners, Bank Statement loans offer a flexible way to secure financing without the need for traditional income documentation like W-2s or tax returns. Instead, your personal or business bank statements are used to verify income, making this a great option for those with fluctuating income or significant write-offs.
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Contact Us
We offer a variety of tailored mortgage solutions to fit your unique needs. Contact us today to learn more and take the first step toward your financial goals!
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![DSCR Loans]()
DSCR Loans
Perfect for real estate investors, Debt Service Coverage Ratio (DSCR) loans focus on the income potential of your investment property rather than your personal income. By assessing whether the property's rental income can cover its debt obligations, these loans provide a tailored solution for self-employed borrowers or those with complex financial profiles.
NO WORRIES, JUST SOLUTIONS.
At 806 Mortgage, we make it easy and enjoyable to secure the best rate for your mortgage. With our straightforward, transparent approach, you can trust that we’re here to guide you through each step quickly and efficiently—ensuring a smooth, stress-free experience from start to finish.
