Mortgage Programs

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Loan Services

Mortgage Programs

Purchases and refinances

Interest Only Programs

Cash Out Available

100% Financing programs

Investment Properties / Vacation Homes

No Closing Cost Home Equity Lines

Conventional, FHA, VA, USDA

Builder Lines of Credit

Flip Lines of Credit

Cogent Financial offers a wide array of mortgage products and programs that are designed to meet all your needs. We are prepared to place you in the best program available.

Conventional: Our goal is to provide you with a fast approval as well as the most competitive rates possible. We offer fixed and adjustable rate mortgages with flexible payment schedules.

Construction: We offer several options for your new construction home, including a one time close that allows draws throughout the construction process. Ask a Cogent Financial Loan Officer for details.

Credit Concerns: We have a variety of competitive programs to allow those with less than perfect credit to obtain the loan that they need.

Seconds and Lines of credit: We offer a complete array of 2nd mortgage products. One of the most popular is the piggy back 2nd which can eliminate the requirement of private mortgage insurance (PMI) for any loan with an LTV above 80%. Call for more details!