Products & Programs

Products & Programs

Programs Available from ACM Home Loans, a division of Hamilton Group Funding Inc.

1. Hamilton Programs


  • Conventional / FHA / VA Refinance
  • FHA Streamline / VA IRRRL
  • Investment Properties
  • Condominiums
  • Second Homes
  • DU Refi Plus
  • Freddie Open Access
  • First Time Home Buyers
  • High Balance FHA/VA
  • Down Payment Assistance
  • Mortgage Certificate Programs
  • Manufactured Housing
  • Modular Homes
  • Puerto Rican Tax Filers
  • FHA Back to Work
  • HUD REO
  • HomeStyle Renovation
  • USDA

2. Hamilton Specialty Programs

  • Combo Loans
  • Foreign Nationals
  • Super Jumbos to $5M
  • Non Warrantable Condo
  • LLC, Corporate, and Trust Vesting
  • Asset Based Loans
  • Interest Only
  • Second Mortgages
  • Condotels
  • Investor loans (up to 25 financed properties)
  • W-2 only
  • HELOCs

3. Conventional Purchase

  • 80% LTV (no mortgage insurance)
  • LTV up to 95% with mortgage insurance
  • Lender paid mortgage insurance options available.

4. FHA Purchase

  • 3.5% down payment required, based on purchase price or appraised value (lesser of the two)
  • Non-occupying co-borrowers are allowed (perfect for college students)
  • Down payment and closing costs may be gifted by a family member

5. FHA 203(k) – Streamline

  • Up to $35,000 in repairs
  • Can be used for refinance
  • Contractor: 2 draws
  • No structural repairs
  • No minimum repairs

6. FHA 203(k) – Full

  • Structural repairs allowed
  • Contractor: 5 draws
  • Up to 6 months principal, interest, taxes, and insurance can be included if property not occupied
  • The LTV can be up to 110% of the after improved value, comps must support the values
  • FHA consultant required

7. USDA Rural Financing

  • True 100% financing
  • 30 year fixed rate
  • Flexible credit guidelines *Income/Property Eligibility
  • Guarantee fee may be financed (2%-3% available)

8. VA Purchase

  • 100% financing for qualified Veterans
  • No monthly mortgage insurance
  • VA funding fee may be financed

9. Reverse Mortgage & Reverse Purchase

  • No mortgage payments
  • For borrowers 62 years & older

10. Jumbo

  • Loan amount of $417,000+