Primary Residence Loans

Your primary residence qualifies for the widest range of loan programs — FHA, VA, USDA, Conventional, and Non-QM — with the most favorable rates and down payment requirements. CFC Mortgage will match you with the right program for your financial profile.

Second Home & Vacation Property

Financing a vacation home or second property requires a slightly larger down payment (typically 10%) and a strong credit profile, but rates are still competitive. Tennessee lake homes, mountain cabins, and beach properties in FL and SC all qualify.

Investment Property Financing

Investment properties — single-family rentals, duplexes, and small multi-family — typically require 15–25% down and qualify based on rental income potential. DSCR loans are an excellent option for investors who prefer not to use personal income to qualify.

Key Benefits

• Programs for all three occupancy types
• Conventional, FHA, VA, and Non-QM options
• DSCR loans for investment properties
• Competitive rates across all property types
• Multi-state licensing: TN, FL, SC
• Vacation homes in Tennessee, Florida, and South Carolina