Find the program that works for you
At Bank of England Mortgage, we offer residential home financing solutions for almost every scenario. We finance primary residences, second/vacation homes, and 1-4 unit investment properties. On this page, you will learn about some of the home loan programs we offer. Please feel free to contact us with any questions about our loan programs or the Bank of England scholarship at Ball State University. If you have 5-10 minutes, you can also start the application process online.
Explore Options
Cash-Out Refinances & Debt Consolidation
Popular Loans for First Time Buyers
Low & No Money Down Options
For Those with 5%-20%+ Down Payments
Investment Property Loans
Second/Vacation Home Loans
Renovation Loans
Self Employed & High Net Worth Borrowers
HECM Loans for Seniors
ITIN & Foreign National Borrowers
Cash-Out Refinancing & Debt Consolidation
Take advantge of highly competitive interest rates with a cash-out refinance or debt consolidation home refi with Bank of England Mortgage.
- Cash-Out Refinance – Tap into the equity in your home for renovation projects, educational or medical expenses, or for any other need with a cash-out refinance.
- Debt Consolidation Refinance – Pay down or pay off higher interest debt with a debt consolidation home refinance.
We offer a wide variety of refinancing solutions including conventional, FHA, VA, jumbo, and programs designed for self-employed borrowers and real estate investors. Speak with your Mortgage Originator for more information.


Popular Loans for First Time Buyers
Ready to buy a home but don’t know which program is right for you? Here are some options to discuss with your Mortgage Originator:
- FHA Loans – Up to 96.5% financing
- VA Loans – Up to 100% financing for qualifying veterans and active-duty military
- USDA Loans – Up to 100% financing in eligible USDA areas
- HomeReady & Home Possible – Up to 97% financing
- Conventional Loans – Highly competitive rates. Up to 97% financing
- Chenoa FHA – Down payment assistance option in California
- ihcda Loans – Indiana Housing & Community Development down payment assistance
Note that some of these programs allow for seller concessions and gift funds to help cover down payments and loan-related expenses. Speak with your Mortgage Originator for more information.
Low & No Money Down Programs
We offer a number of low and no money down solutions including:
- FHA Loans – Up to 96.5% financing
- VA Loans – Up to 100% financing for qualifying veterans and active-duty military
- USDA Loans – Up to 100% financing in eligible USDA areas
- HomeReady & Home Possible – Up to 97% financing
- Chenoa – FHA down payment assistance option Nationwide
- ihcda Loans – Indiana Housing & Community Development down payment assistance.
Note that some of these programs allow for seller concessions and gift funds to help cover down payments and loan related expenses. Speak with your Mortgage Originator for more information.


Borrowers with 5%-20%+ for Down Payment
Borrowers who are able to put down 5% to over 20% on their loan may qualify for some of the most competitive pricing in the marketplace through conventional financing.
- Conventional Loans – Follow Fannie Mae and Freddie Mac guidelines and give borrowers the opportunity to qualify for pricing that may not be available for products at lower down payments.
Speak with your Mortgage Originator to discuss the benefits or choosing a conventional loan.
Investment Property Financing
We help real estate investor purchase and refinance 1-4 unit residential rental properties throughout the United States.
- Conventional Financing – Good option for borrowers who can easily document their income
- Bank Statement Loans – Qualify using Bank Statements rather than tax returns
- Asset Qualifier Loans – Qualify using assets rather than tax returns
- Investor Cash Flow – Use income from future rents to help qualify
Speak with your Mortgage Originator for more information.


Second/Vacation Home Loans
At Bank of England Mortgage we financing second homes through the United States.
- Conventional Financing – Good option for borrowers who can easily document their income.
- Bank Statement Loans – Qualify using Bank Statements rather than tax returns
- Asset Qualifier Loans – Qualify using assets rather than tax returns
- Jumbo Loans – For loan amounts exceeding today’s conforming loan limits
Please contact one of our Mortgage Originators to discuss financing for buying or refinancing a second home.
Renovation Loans
We offer a number of renovation loan programs to borrowers through the United States.
- 203K FHA Renovations Loans – Get the funds you need to repair and renovate a property
- HomeStyle – Fannie Mae’s home renovation program
Contact one of our Mortgage Originators to discuss our various renovation loan programs.


Self Employed & High Net Worth Borrowers
We offer a variety of creative solutions for self employed borrowers and high net worth individuals who may find it difficult to document their income using tax returns and W2s.
- Conventional Financing – Good option for borrowers who can easily document their income.
- Bank Statement Loans – Qualify using Bank Statements rather than tax returns
- Asset Qualifier Loans – Qualify using assets rather than tax returns
- Investor Cash Flow – Use income from future rents to help qualify
- Jumbo Loans – For loan amounts exceeding today’s conforming loan limits
Get in touch with us to learn more about our creative home financing options.
HECM Loans for Seniors
We offer Home Equity Conversion Mortgages (HECM) to seniors throughout the United States.
- HECM Reverse Mortgages – Get the financial freedom you’re looking for in retirement with a Home Equity Conversion Mortgage. Funds can be used for many reasons including home repairs, renovations, medical bills, educational expenses, travel, and more.
Contact one of our Mortgage Originators to discuss whether a HECM loan is right for you.


ITIN & Foreign National Home Loans
We offer ITIN home financing solutions for borrowers without Social Security numbers but who have Individual Tax Identification Numbers and we have options for qualifying foreign nationals looking to purchase homes in the United States.
- ITIN Home Loans – For borrowers with Individual Tax Identification Numbers
- Foreign National Home Loans – NonQM solutions designed for eligible foreign national buyers
Get in touch with us to learn more about our creative home financing options.
Bank of England Mortgage has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. Bank of England Mortgage may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at (904) 992-1000. This contact information is for accommodation requests only.
Bank of England Mortgage is an equal opportunity employer and encourages women, minorities, persons with disabilities, and veterans to apply.
Bank of England Mortgage is a division of Bank of England. NMLS 418481. Bank of England Mortgage is not affiliated with any government agency. Member FDIC.
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