Loan Programs

Not Sure Which Loan Is Right for You?

Loan Programs for Every Homebuyer and Homeowner

Explore flexible, affordable mortgage options designed to fit your goals. Whether you’re purchasing, refinancing, or accessing home equity, Exceptional Mortgage provides clear guidance and a full range of loan choices.

Serving El Cajon, San Diego County, and licensed in CA, FL, VA, NE & CO.

Licensed in CA, FL, VA, NE & CO.

Our Loan Programs

Below is an overview of the most popular loan programs we offer. Each has its own benefits and requirements. Click to learn more about each one.

Conventional Loans

Flexible terms, competitive rates, and strong long-term benefits for qualified borrowers. Ideal for buyers with established credit and steady income.

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FHA Loans

A great option for first-time buyers or borrowers with limited credit. Offers flexible qualification and low down-payment options.

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VA Loans

Exclusive benefits for eligible veterans and active-duty military members, including no down payment, competitive rates, and no mortgage insurance.

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Jumbo Loans

Designed for higher-priced homes in markets like San Diego County. Provides larger loan amounts with competitive terms.

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USDA Loans

Zero-down financing for eligible rural areas. A strong option for qualifying homebuyers seeking affordable monthly payments.

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First-Time Buyer Programs

Special programs built to support new homebuyers with lower down payments, flexible guidelines, and education-based benefits.

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Fixed-Rate Mortgages

Predictable monthly payments for the life of the loan. Ideal for buyers wanting long-term stability.

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Adjustable-Rate Mortgages (ARM)

Lower introductory rates that adjust over time. Suitable for short-term homeowners or strategic buyers.

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Non-QM Loans

Flexible mortgage options designed for borrowers who don’t meet traditional lending guidelines

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My Stated Income Loans

Allow borrowers to qualify using alternative income verification instead of standard tax returns.

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Find the Right Mortgage —With Expert Guidance

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Funded Loans

At Exceptional Mortgage, you get:

Access to a wide variety of loan products
Clear explanations of rates, terms, and qualifications
Personalized recommendations based on your goals
Local experience combined with modern digital tools
Honest, transparent guidance from start to finish