Our Loan Programs

At Dream Team Lending, we know that every borrower’s situation is unique — and so are their financing needs. That’s why we offer a wide range of mortgage programs designed to help first-time buyers, growing families, investors, and everyone in between.

Whether you’re looking for a low down payment option, specialized programs for veterans or rural buyers, or financing for a luxury home, our team of experts will guide you to the loan program that fits your goals. As a mortgage broker, we work with multiple lenders to find you the most competitive rates, flexible terms, and personalized solutions.

Explore our loan programs below to discover the best path to your dream home


🏡 1. Conventional Home Loan

Conforming Conventional Loans

A conforming conventional loan is one of the most popular mortgage options for homebuyers. These loans meet the guidelines set by Fannie Mae and Freddie Mac, which makes them widely available, competitively priced, and reliable.

Key Features:

✅ Loan Limits: In 2025, the standard conforming loan limit is $806,500 for most areas, with higher limits (up to $1,209,750) in high-cost regions.

✅ Low Down Payment Options: Borrowers may qualify with as little as 3% down, making homeownership more accessible.

✅ Flexible Terms: Available in a variety of fixed-rate and adjustable-rate options to suit your financial goals.

✅ Private Mortgage Insurance (PMI): Required for down payments under 20%, but can be canceled once you reach 20% equity.

✅ Wide Availability: Because these loans conform to national standards, they are easy to obtain and often carry lower rates than non-conforming loans.

Who It’s For
Conforming conventional loans are ideal for borrowers with good credit, stable income, and manageable debt, looking for a balance of affordability, flexibility, and long-term savings.


🧱 2. FHA Loan (Federal Housing Administration)

Ideal for: Buyers with lower credit scores and smaller down payments

Program Highlights:

  • Loan Amount: Up to $498,250
  • Fixed APR: From 5.85% – 6.75%
  • Down Payment: As low as 3.5%
  • Required Credit Score: 580+
  • Mortgage Insurance: Required (monthly + upfront)

Example:
Carlos from Phoenix, AZ purchased his first home with a $210,000 FHA loan at 6.1% APR. With a 3.5% down payment and FHA insurance, his monthly mortgage is approximately $1,478.

🏢 3. Small Business Loan

Ideal for: Entrepreneurs, startups, and growing businesses

Loan Types:

  • SBA 7(a) Loans
  • Equipment Financing
  • Working Capital Loans
  • Business Lines of Credit

Program Highlights:

  • Loan Amount: $25,000 – $500,000
  • Term Length: 1 – 10 years
  • Interest Rate: 8.25% – 12.5% (based on credit and revenue)
  • Funding Time: As fast as 5 business days
  • Collateral: Not always required

Example:
Monique, the owner of a café in Austin, TX, secured a $75,000 working capital loan at 9.9% APR. She used the funds to expand her kitchen and hire staff.

🔁 4. Debt Consolidation Loan

Ideal for: Individuals looking to simplify and reduce interest on multiple debts

Program Highlights:

  • Loan Amount: $10,000 – $100,000
  • Fixed APR: 7.25% – 15.95%
  • Term Length: 2 – 7 years
  • No Prepayment Penalty

Example:
Alex had $32,000 in credit card and medical debt with average interest rates above 21%. He took out a debt consolidation loan through Dream Team Lending at 9.75% APR for 5 years, reducing his total interest paid by over $11,000.

🎓 5. Student Loan Refinance

Ideal for: Graduates with stable income and high-interest student loans

Program Highlights:

  • Loan Amount: $15,000 – $300,000
  • APR Range: 5.65% – 8.95% (fixed or variable)
  • Term Length: 5 – 20 years
  • Cosigner Optional: Yes

Example:
Lindsey refinanced her $65,000 student loan from 10.5% down to 6.2% APR, saving over $140/month on payments.

🚗 6. Auto Loan

Ideal for: Buying or refinancing new or used vehicles

Program Highlights:

  • Loan Amount: $5,000 – $75,000
  • Term Length: 36 – 72 months
  • APR Range: 6.15% – 11.5%
  • Minimum Credit Score: 620
  • Down Payment: Optional

Example:
Ethan bought a used Subaru Forester with a $24,000 loan at 6.8% for 60 months. His monthly payment is $472.

Why Choose Dream Team Lending?

✅ Fast application and approval process
 ✅ Transparent terms – no hidden fees
 ✅ Flexible repayment plans
 ✅ Nationwide availability
 ✅ Dedicated loan officers to guide you

📞 Ready to Apply?

Our team is ready to help you find the best financing option. Call us at 1-800-555-TEAM, or apply online at dreamteamlending.com/apply and get pre-qualified in minutes.

Dream Team Lending – Helping Dreams Take Flight.