Our Services | Beneficial Mortgage, LLC

Loan Types We Offer

From first-time buyers to seasoned investors, we have the right loan for you

Common Loan Types

Popular mortgage programs for most home purchases and refinances.

• Conventional (Fixed or ARM)
• FHA (Fixed or ARM)
• VA (Fixed or ARM)
• USDA (Rural Housing)
• Jumbo (interest‑only options)
• Down Payment Assistance (as low as 0% down)

Construction & Rehab

Flexible financing for building, improving, or repositioning properties.

• One‑Time Close Construction
• Fix‑and‑Flip / Renovation
• Ground‑Up Construction
• Hard Money
• FHA 203(k)

Unique & Specialty

Special programs designed for unique scenarios and strategies.

• Home Equity Loan (HELOAN) / HELOC (Second Mortgage)
• Bridge Loans
• Commercial (office, retail, industrial, etc.)
• Multi‑Unit Properties (1–4 and 5+ Units)
• Non‑QM (asset‑only, bank‑statement, DSCR)
• Lot Loans
• Manufactured Home Loans
• Condo‑Hotels (Condotels)
• Investment Properties
• ITIN Loans

What Makes Beneficial Mortgage Different?

Our unique advantages that set us apart from the competition

Former Underwriter Expertise

Our team includes former UWM underwriters who know exactly what lenders are looking for, helping you prepare the strongest possible application.

CPA Financial Guidance

Get comprehensive financial advice from our CPA-licensed broker owner, helping you make informed decisions about your mortgage and overall financial strategy.

Technology-Driven Process

We leverage cutting-edge technology to streamline your mortgage process, reducing paperwork and getting you to closing faster.

Personalized Service

Every client is treated as our only client, with personalized attention and dedicated support throughout your entire mortgage journey.

Our Commitment to You

Transparent pricing with no hidden fees

Fast processing and quick closings

Ongoing support after closing

Access to exclusive lender programs

Our Streamlined Process

From application to closing, we make it simple and stress-free

1

Initial Consultation

We'll discuss your goals, review your financial situation, and determine the best loan option for you.

2

Pre-Approval

Get a solid pre-approval letter that shows sellers you're a serious buyer with financing in place.

3

Application & Processing

Our streamlined application process gets your loan into underwriting quickly and efficiently.

4

Closing

We coordinate with all parties to ensure a smooth closing experience and get you into your new home.

Required Documents

What you'll need to get started with your mortgage application

Income

W‑2: recent pay stubs + last 2 years of W‑2s
Self‑employed & Rental Income: recent tax returns (YTD P&L if needed)
Other income (SSI/Disability/Retirement): award letter

Assets

Last 2 months of bank/investment statements (all pages)
Explain any large deposits
Gift letter, if applicable

Misc

Government‑issued photo ID
Credit report (we will pull this for you)
Purchase contract (if buying)
Title/lender info (we’ll coordinate)

Frequently Asked Questions

Get answers to common questions about our mortgage services

How long does the mortgage process take?

Typically, our streamlined process takes 2-3 weeks from application to closing. We aim for ≤10 days from ITP to CTC (Intent to Proceed to Clear to Close).

What credit score do I need to qualify?

Credit score requirements vary by loan type. Conventional loans typically require 620+, FHA loans can go as low as 580, and VA loans are more flexible. Our team can help you understand your options.

How much down payment do I need?

Down payment requirements range from 0% (VA loans) to 3.5% (FHA) to 3-20% (Conventional). We'll help you find the best option for your situation.

Can I refinance my existing mortgage?

Yes! We offer refinancing options for all loan types. Whether you want to lower your rate, change loan terms, or cash out equity, we can help.

Do you work with first-time homebuyers?

Absolutely! We specialize in helping first-time buyers navigate the mortgage process. Our team will guide you through every step and explain all your options.

Our Mortgage Services