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AAG was founded in Orange County, California, and now has offices in California, Georgia, New York and Texas. With operations in 49 states and Washington D.C., AAG is approved by the U.S. Department of Housing and Urban Development.

AAG offers personalized customer service and solutions to help older adults without sufficient savings to have a comfortable retirement. AAG’s primary target audience is adults older than 60 who want to use their home equity to prepare for retirement. 

Equity is the amount you’ve paid on the mortgage or the difference between your home’s current value and how much you owe on the mortgage. If you have a home worth $500,000 and $50,000 remains on the mortgage, your home equity is $450,000. Whether you should take a reverse mortgage depends on many factors. AAG offers customized solutions that could meet the needs of some seniors. 

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The company offers a variety of farm loans such as agriculture real estate loans as well as beginning farmer and rancher loans. Rates are adjustable or fixed up to 30 years. The maximum amount for loans stretches to around $1,500,000. Interested borrowers should have a credit score of around 720.

Angel Oak Mortgage Solutions is a unique platform that allows you to get your mortgage with just a bank statement. However, the bank also allows you to take out loans using asset qualification, ITIN and more. You can also get FHA, conventional and jumbo loans along with loans for portfolio purchases.

BMO Mortgage has several programs designed for people who do not have funds for a down payment. BMO mortgage closing costs are competitive, and the company has assistance programs available for these costs. This mortgage lender offers several loans with reasonable credit score requirements that make its loans more accessible to consumers.

Churchill Mortgage offers several types of mortgages and can also help if you need a refinance. The company has loans available for people with no credit, but you should only take out that loan if you believe you can pay it back. The Certified Home Buyer Program can help you get approved for a mortgage sooner and speed up the closing process. However, Churchill Mortgage does not list its interest rates on its website. You can get the interest rate by going through the loan application process, but other mortgage lenders list their minimum and maximum interest rates. You are also out of luck if you need a home equity loan or a home equity line of credit. Churchill Mortgage has several financial products and can help with financing, but other lenders share their rates and offer ways to tap into your home equity without a refinance.

CrossCountry Mortgage offers standard products like conventional loans, VA loans, Jumbo loans and FHA loans. It also has more specialized products like bank statement loans, asset qualifier mortgages and no doc investment property loans. If you’ve had a hard time finding a mortgage due to erratic income, being retired or buying an investment property, CrossCountry Mortgage is worth a look.

Those who are looking for a mortgage soon after filing for bankruptcy can work with FNBA to apply and get into a new home. While no application is guaranteed to be approved, the bank makes it easier for you to apply after you have filed for bankruptcy, allows you to obtain a down payment from any source and offers relatively low minimum credit score options of around 600.

Freedom Mortgage Corp. serves all 50 states in the U.S., the U.S. Virgin Islands and Puerto Rico. The lender offers several mortgage products, including government-backed loans and refinance options. You can manage your mortgage online but it does not offer an online prequalification and application process.

With a broad selection of inexpensive mortgage options and impressive client feedback, Movement Mortgage has established itself as a reliable provider. The business provides a number of lending programs, including federally guaranteed choices like United States Department of Agriculture (USDA) loans, with a minimum credit score demand as low as 580.

Movement Mortgage closing costs for most of its programs are also lower than average. As a result, this provider can be an ideal option for those who may have low credit scores but still want to buy a property. 

In addition to being a reliable lender, Movement Mortgage distributes its revenue in the form of dividends. According to its website, it has contributed more than $60 million to educational institutions and local communities worldwide. Borrowers who get a loan from this company can feel satisfied with their financial commitment. 

One noteworthy problem is the lack of mortgage rate transparency. Applicants must submit an application or speak with a loan officer in order to get more information about rates because Movement Mortgage does not post details about its pricing on the website. Potential borrowers who want to compare rates and make calculated choices may find this lack of transparency to be problematic.

Nexa Mortgage stands out for fast funding on home purchase loans, refinance or cash-out refinance. Its website is simple to use and intuitive, allowing you to apply for a pre-qualification letter, perform a refinance analysis or compare the best mortgage rates on the market.

Fast digital quotes streamline the application process. In most cases, you’ll get the loan amount within 30 days, making Nexa’s mortgages some of the fastest average closing times available.

M&T Bank offers friendly, personalized service at its brick-and-mortar branches on the East Coast. You can also start the mortgage process online or by phone. M&T offers conventional and government-backed mortgages. An M&T mortgage is an excellent choice if you value customer service with a personal touch.

North American Savings Bank is a unique company that offers a range of banking products. You can take out several different mortgage types, choosing from a range of competitive rates and mortgage styles. Because the range of mortgages is so large, you have a better chance of finding what you need.

PHH Mortgage offers a range of mortgage options to those who live in the states it serves. It’s been serving borrowers for over 30 years and has experienced loan officers available to walk you through the mortgage process. It’s a good choice for first-time homebuyers, homeowners looking to buy a vacation or investment property and those who need to refinance.

Rocket Mortgage is one of the best mortgage lenders on the market, making it easy to apply for a home loan entirely online. Its streamlined preapproval process and quick access to customer service set it apart from other online lenders. Rocket Mortgage offers a large variety of mortgages and is backed by the largest mortgage lender, Quicken Loans. Whether you need help or know exactly what you’re looking for, Rocket Mortgage matches you with the right mortgage type and helps you quickly complete your online application.

Society Mortgage offers a simple online application process for pre-approval. Society Mortgage representatives will work directly with your real estate agent to close on the home.

Society Mortgage stands out in competitive interest rates and friendly customer service. For example, it offers USDA home loans with no money down, allowing more people to purchase their first home. It also offers home renovation loans, FHA loans, VA loans, conventional loans, jumbo loans and 203(k) rehab mortgage loans.

With main offices in Fort Lauderdale, Florida, and a branch office in Portland, Maine, Society Mortgage aims to simplify the mortgage process for home buyers across the U.S.

Wells Fargo is one of the top national mortgage lenders. It offers a large selection of conventional purchase, refinance, jumbo, FHA, USDA and VA loans and also provides low down payment options for low-income buyers.

You can apply for a mortgage with Wells Fargo entirely online, in person at a Wells Fargo branch or by phone. Wells Fargo offers an electronic verification process for income and supplemental documents and a fully online loan tracker to update you on your progress every step of the way.

Here’s what you need to know about Wells Fargo at a glance.

Wyndham Capital Mortgage is a direct banker that offers a quick and easy mortgage process. This lender offers a wide variety of products and programs with no hidden fees. Its online offerings include on-demand approval letters and closing documents that are accessible on any device. Wyndham Capital Mortgage is also well known for its responsive customer service team.