What We Offer
Residential Loans
Every borrower's situation is unique. Tovara offers a comprehensive range of loan programs to match your goals, timeline, and financial profile.
Buy a Home
Most PopularHome Purchase Loans
Your dream home is within reach. Whether you're a first-time buyer or upgrading to your forever home, Tovara offers competitive purchase loan programs with personalized guidance every step of the way.
Program Highlights
- Conventional loans with as little as 1% down
- FHA loans for flexible qualification
- Jumbo loans for luxury properties
- Down payment assistance programs
- Same day pre-approvals
- Dedicated loan advisor from start to close
Refinance
Rate & Term / Cash-Out
Lower your monthly payment, access your home's equity, or shorten your loan term. Our refinance specialists will analyze your current situation and find the optimal strategy for your financial goals.
Program Highlights
- Rate and term refinancing
- Cash-out refinancing
- Streamline refinance options
- No-cost refinance programs
- Break-even analysis included
- Fast closing timelines
Home Equity Loan
Tap Your Home's Value
Your home is your most valuable asset. Leverage its equity for home improvements, debt consolidation, education, or any major expense — with competitive fixed rates and flexible terms.
Program Highlights
- Fixed-rate home equity loans
- Home equity lines of credit (HELOC)
- Borrow up to 90% LTV
- Interest may be tax deductible
- Flexible repayment terms
- No prepayment penalties
VA Loans
Veteran ExclusiveFor Those Who Served
We are honored to serve those who served our country. VA loans offer exceptional benefits including zero down payment, no PMI, and competitive rates exclusively for veterans, active duty, and eligible surviving spouses.
Program Highlights
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- No prepayment penalties
- Streamlined VA IRRRL refinance
- Dedicated VA loan specialists
First-Time Homebuyer
Great for BeginnersStart Your Journey Right
Buying your first home is one of life's most exciting milestones. Our first-time homebuyer programs are designed to make the process accessible, transparent, and genuinely enjoyable.
Program Highlights
- Low down payment options (0-3.5%)
- Down payment assistance grants
- Homebuyer education programs
- Credit counseling available
- Gift funds accepted
- Step-by-step advisor guidance
Construction Loans
Build Your Vision
Build the home you've always envisioned from the ground up. Our construction loan programs provide flexible financing for new builds, major renovations, and custom home projects.
Program Highlights
- One-time close construction-to-permanent
- Interest-only during construction
- Flexible draw schedules
- Custom home and spec builds
- Major renovation financing
- Builder approval assistance
Bridge to Buy
Buy Your Next Home Before You Sell
The timing of buying and selling doesn't always line up. Tovara's Bridge to Buy suite of solutions lets you move forward confidently — even when your current home hasn't sold yet.
Buy on your timeline,
not the market's
Make stronger,
non-contingent offers
Tap into the equity
you've already built
Avoid rushed decisions
or temporary housing
Move forward with
clarity and control
Specialty Programs
STaR, Doctor Loans, and niche programs for unique borrower profiles.
Not every borrower fits the standard mold — and that's exactly where Tovara excels. From heroes in uniform to high-earning physicians, we have programs built for your situation.
First Responders, Nurses & Teachers
Serving Those Who Serve
Program Highlights
- Eligible for teachers, principals, school counselors (K-12)
- Eligible for police, sheriff, highway patrol, border patrol, correctional officers
- Eligible for firefighters, first responders, and nurses (RN & CNA)
- Available for VA, FHA, or conventional mortgages
- Reduced lender fees for eligible buyers (up to $800)
- Gift funds accepted for 100% of down payment
- Potential exclusion of student loan payments with proof of deferment
Borrower Advantages
- Reduce lending fees by as much as $800
- DPA options to give more purchasing power and less out-of-pocket expenses
- Reduce monthly mortgage payment with lender paid mortgage insurance
- Float-down option if rates go down prior to signing loan documents
Doctor Loans
Built for Medical Professionals
Program Highlights
- Up to 100% financing with no MI required
- Loan amounts as high as $2.5 Million
- Available for medical doctors, dentists, and veterinarians
- New 1099 contract income allowed without 1-2 years of employment history
- Future employment contracts or terms of employment acceptance acceptable
- Short or incomplete job history accepted with employment contract
Borrower Advantages
- Tailored for medical professionals with high loan amounts and more flexibility
- Up to 100% financing with low reserve requirements
- Future employment contracts accepted — ideal for newly matched residents
- High debt-to-income solutions for those with student loan debt
Jumbo Loans
High-Balance & Luxury Financing
Program Highlights
- Loan amounts up to $10,000,000
- Max LTV/CLTV 90% for Primary Residence or Second Home
- ARM, fixed, and interest-only options available
- Credit scores as low as 660 considered
- Asset depletion options available
- Non-warrantable condo programs
- Primary Residence, Second Home & Investment Properties allowed
- Split mortgage options — may qualify more borrowers
Borrower Advantages
- Gift funds and Stock (RSU) income allowed
- Split mortgages can provide a lower overall payment than a single jumbo loan
- Down payment may be as low as 10%
- In-house delegated underwriting for faster closings