Servion Mortgage Products Hero

Mortgage Products

You choose the mortgage products you want to offer, we’ll make it happen. Join the nearly 300 financial institutions that have already increased their mortgage offering and grown their mortgage business through a partnership with Servion, Inc. 

FHA Loans

Capitalize on the benefits of offering mortgage financing insured by Federal Housing Administration and serve borrowers with less-than-perfect credit or those looking for low down-payment options. 


Loan Highlights

  • Down payment can come from a family member, or from a down payment assistance program. 
  • Allows for a 620 credit score without increases to interest rate.
  • Very limited credit history is allowed.
  • Non-owner occupied co-borrower can be used for qualifying.
  • Lower required down payment.
  • More lenient on credit and on loan qualifying standards.
  • Up to 55 percent debt to income.
  • We service your borrower for the life of their loan.  

Partnership Options

  • Retail - You interact one-on-one with your borrower and earn fee income by referring them to us.
  • Correspondent - Increase profitability by managing more of the mortgage process while still utilizing our underwriting expertise. 
  • Delegated - Correspondent partners manage and control the entire loan process from origination to closing. You still look to us for servicing and as an avenue to secondary-market investors.
  • Wholesale - Correspondent partners can offer FHA and VA mortgages using our approved lender status with the required government agencies. 

USDA Loans

Manage risk, grow your mortgage business, and help provide low- and moderate-income households the opportunity to own adequate and safe dwellings as a primary residence in eligible rural areas.


Loan Highlights

  • 100 percent financing.
  • 6 percent seller concessions.
  • 640 credit score.
  • No reserves required.
  • Primary residence only. Must meet property & income eligibility.
  • We service your borrower for the life of their loan.

Partnership Options

  • Retail - You interact one-on-one with your borrower and earn fee income by referring them to us.
  • Correspondent - Increase profitability by managing more of the mortgage process while still utilizing our underwriting expertise. 
  • Delegated - Correspondent partners manage and control the entire loan process from origination to closing. You still look to us for servicing and as an avenue to secondary-market investors.

VA Loans

VA loans offer you the opportunity to provide home financing to service members, veterans, and eligible surviving spouses. The U.S. Department of Veterans Affairs provides a home loan guaranty benefit and other housing-related programs to help your borrowers buy, build, repair, retain, or adapt a home.


Loan Highlights

  • 620 credit score.
  • No mortgage insurance.
  • 100 percent financing.
  • 4 percent seller concessions.
  • Significantly lower fees to borrower.
  • Allows for higher debt to income ratios.
  • We service your borrower for the life of their loan. 
  • Best product on market with over 80 percent loan to value.

Partnership Options

  • Retail - You interact one-on-one with your borrower and earn fee income by referring them to us.
  • Correspondent - Increase profitability by managing more of the mortgage process while still utilizing our underwriting expertise. 
  • Delegated - Correspondent partners manage and control the entire loan process from origination to closing. You still look to us for servicing and as an avenue to secondary-market investors.
  • Wholesale - Correspondent partners can offer FHA and VA mortgages using our approved lender status with the required government agencies. 

Conventional Loans

Providing mortgage financing offers you the opportunity to be a one stop shop for your borrowers. By becoming that trusted mortgage resource, you can use home financing as the stepping stone to increased use of your full menu of products and services. 


Loan Highlights

  • Fannie seller/servicer.
  • Approve per Desktop Underwriter, must be approve/eligible. 
  • No maximum acreage. 
  • Collections do not need to be paid on primary residences. 
  • Products available for primary, secondary, and investment properties. 
  • Property types available to 4-units and double-wide manufactured homes.

Partnership Options

  • Retail - You interact one-on-one with your borrower and earn fee income by referring them to us.
  • Correspondent - Increase profitability by managing more of the mortgage process while still utilizing our underwriting expertise. 
  • Delegated - Correspondent partners manage and control the entire loan process from origination to closing. You still look to us for servicing and as an avenue to secondary-market investors.

Jumbo Loans

With a partner that can help you manage the risk of financing high-end homes, you can serve borrowers who need more than a traditional loan can provide. Look to us for the underwriting expertise you need to realize the loan growth and increased profitability of jumbo loans.  


Loan Highlights

  • Loan amounts available to $2,000,000. 
  • 5/1, 7/1 ARM options.
  • Primary and secondary homes. 
  • 720 credit score minimum.

Partnership Options

  • Retail - You interact one-on-one with your borrower and earn fee income by referring them to us.
  • Correspondent - Increase profitability by managing more of the mortgage process while still utilizing our underwriting expertise. 

Make an informed decision.

We focus on your goals, your needs, your problems, your successes, and your team. We are your allies and we do what it takes to help you grow while also ensuring a great experience for all parties. Let us help you achieve your goals.

Learn how you fit in by partnering with us through our different channels and see which channels are available in your state. Or, view our product matrix for more detail of our offerings. 

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Servion Mortgage is a DBA of Servion, Inc.