Investment Property Loan Rates 2026: Compare Lenders & Apply

Investment property loan rates in 2026 are more favorable than the worst of the 2023 to 2025 cycle.

But they are still meaningfully higher than owner-occupied mortgage pricing.

The average 30-year fixed primary-residence mortgage is at 6.11%, while the housing forecast projected roughly 6.0% on average for 2026.

For rental-property borrowers, pricing often lands above that because investment properties carry additional adjustments. Specifically, occupancy, leverage, credit, and unit count.

For real estate investors, the loan structure matters almost as much as the property itself.

McGowan Mortgages helps borrowers compare lenders, evaluate financing options, and secure investment property loans designed to support long-term portfolio growth.

Investment property mortgage rates in 2026 usually price above primary-home rates, often by about 0.50% to 1.00% or more.

Conventional investment-property financing commonly starts at 15% down for a 1-unit rental and 25% down for a 2- to 4-unit investment property under standard agency eligibility limits.

Many lenders want borrowers in the 680+ credit range, while stronger pricing typically goes to borrowers with 720+ scores, lower leverage, and stronger reserves.

Loan options in this market include conventional, DSCR, portfolio, ARM, and 30-year fixed investor loans. The fastest way to improve your pricing is by comparing multiple lenders instead of taking one retail bank quote.

Ready to see what rate you qualify for? Get a personalized quote from McGowan Mortgages today.

What Are the Best Investment Property Loan Options for Landlords Who Want to Grow Their Rental Portfolio?

The best investment property loan depends on how you qualify, how many properties you own, and how long you plan to hold the asset.

In 2026, the most common financing paths include:

Conventional mortgages
DSCR loans that qualify the property based on rental income
Portfolio loans offered by banks or credit unions
Fixed- or adjustable-rate investor mortgages

Each option comes with different underwriting standards, leverage limits, and risk pricing.

Understanding these differences matters because financing structure directly affects leverage, cash flow, and long-term return on investment.

Conventional Investment Property Loans

Conventional financing is still the first stop for many landlords because pricing is usually better than non-QM or private alternatives when the borrower has clean income documentation, strong credit, and sufficient liquidity.

According to Fannie Mae lending guidelines, the maximum loan-to-value (LTV) ratio for investment properties typically caps at:

85% LTV for a 1-unit investment property purchase
75% LTV for a 2- to 4-unit investment property purchase

That is why investors frequently see 15% down for single-family rentals and 25% down for small multifamily investment properties.

Conventional guidelines also allow investors to finance up to 10 properties, which makes this loan type especially important for investors who plan to scale their rental portfolio over time.

Because these loans follow standardized agency rules, borrowers with stronger credit and lower leverage qualify for the most competitive investment property mortgage rates.

DSCR Loans

DSCR loans underwrite the property first rather than the borrower’s personal income. Instead of relying primarily on W-2 income or tax returns, lenders evaluate whether rental income can cover the mortgage payment.

The key metric is the Debt Service Coverage Ratio (DSCR).

It measures a property’s net operating income relative to its annual debt obligations. A ratio above 1.0 means the property generates enough income to cover the loan payment, while many lenders prefer ratios closer to 1.20 to 1.25 for stronger deals.

For example:

DSCR = 1.0 → rental income equals the loan payment
DSCR = 1.25 → property generates 25% more income than required debt service

Because qualification focuses on rental performance rather than personal income, DSCR loans are widely used by:

Self-employed investors
Borrowers with complex tax returns
LLC-based real estate investors
Landlords scaling beyond traditional lending limits

Industry DSCR programs typically require 20% to 30% down payments and minimum credit scores in the mid-600 range, although requirements vary by lender.

Portfolio and Private Lender Loans

Portfolio lenders keep loans on their own balance sheet rather than selling them to Fannie Mae or Freddie Mac. Because they are not bound by standardized agency underwriting rules, they can sometimes offer more flexible qualification criteria.

Portfolio lending can be useful for investors who:

Own many financed properties
Purchase through LLCs or complex ownership structures
Buy unconventional property types
Need faster closings than traditional mortgage channels

However, flexibility typically comes with trade-offs. Portfolio loans often carry higher interest rates or stricter reserve requirements compared to agency-backed conventional mortgages because lenders assume more credit risk when they hold the loan themselves.

These loans are frequently used for bridge financing, portfolio expansion, or deals that fall outside standard agency guidelines.

Adjustable-Rate vs Fixed-Rate Investment Property Mortgages

Another key decision is whether to choose a fixed-rate mortgage or an adjustable-rate mortgage (ARM).

Fixed-rate loans are the most common option for long-term landlords because they provide:

Predictable monthly payments
Stable debt service
Protection against future rate increases

This predictability is especially important in rental property investing because debt service directly affects cash flow and return on investment.

Adjustable-rate mortgages, on the other hand, can offer lower initial interest rates and may make sense when investors plan to:

Renovate and sell the property
Refinance within several years
Hold the property for a shorter time horizon

Many investors use 5-year or 7-year ARM structures for value-add or short-term investment strategies where maximizing early cash flow is more important than long-term rate stability.

Why Loan Choice Matters for Portfolio Growth

Choosing the right loan structure is not just about interest rates. It affects leverage, risk, and the speed at which an investor can scale a portfolio.

For example:

Higher leverage (lower down payments) increases return potential but also increases risk.
Stronger DSCR ratios improve loan approval odds and may lower interest costs.
Flexible portfolio lending can help investors continue buying properties even after reaching conventional financing limits.

Because each loan type serves a different strategy, successful landlords typically treat financing as part of their investment plan rather than a simple rate comparison.

Loan Type	Typical Down Payment	Common Credit Range	Income Verification	Best For
Conventional	15% to 25%	680 to 720+	Full documentation	Strong-credit W-2 or straightforward tax-return borrowers
DSCR	20% to 30%	660+	Property income focused	Self-employed and scaling investors
Portfolio	20% to 30%+	Varies	Flexible	Complex borrower profiles and non-standard deals
ARM	15% to 25%	680+	Full-doc or DSCR	Shorter hold periods and value-add strategies
30-Year Fixed	15% to 25%	680+	Full-doc or DSCR	Long-term buy-and-hold cash flow

Not sure which loan type fits your investment strategy? Explore your options or use McGowan’s mortgage calculator to run the numbers.

How Can I Qualify for an Investment Property Loan With a Low Down Payment and Competitive Interest Rates?

To qualify for the best investment property loan rates in 2026, lenders typically want a mix of stronger credit, lower leverage, stable reserves, and either provable income or sufficient rent coverage.

The closer your file gets to “easy to underwrite, low risk, high liquidity,” the more competitive your pricing usually becomes.

Credit score matters because agency pricing is granular.

Fannie Mae’s LLPA matrix builds in larger pricing hits as credit weakens and leverage rises. This explains why a borrower at 740 with 25% down will usually price far better than a borrower at 680 with 15% down.

That is not theory, it is how the pricing system is designed.

Down payment matters for the same reason. Standard agency eligibility allows 15% down on a 1-unit investment-property purchase, but more equity generally improves pricing and flexibility.

Multi-unit investment properties usually start at 25% down under standard agency limits, which makes 2- to 4-unit deals a different underwriting conversation from a single-family rental.

Debt-to-income, reserves, and rent treatment also matter.

Fannie Mae’s rules around multiple financed properties make reserves especially important for investors with existing portfolios, and the Selling Guide lays out reserve requirements that can increase based on how many financed properties the borrower already has.

Pro Tip: Borrowers who bring more equity, stronger reserves, and better credit usually do not just get lower rates. They often get better lender options, smoother underwriting, and fewer pricing surprises late in the process. That is where a broker-guided comparison earns its keep.

Which Lenders Offer the Most Flexible Investment Property Loans for Small Real Estate Investors?

The most flexible lender is usually not the biggest brand but the lender whose guidelines match your deal.

In practice, flexibility means a lender understands investor cash flow, works with multiple property types, and can handle LLC structures where allowed.

Most importantly, a lender does not treat every rental-property loan like a plain-vanilla owner-occupied mortgage.

National banks can be fine for simple files. Still, they’re often not where investor flexibility peaks.

Credit unions may price competitively in certain niches, but product menus can be narrow.

Non-QM and DSCR lenders often offer more flexibility. This is especially true for self-employed borrowers or scaled investors.

Mortgage brokers matter because they can compare across those channels instead of locking the borrower into a single lender’s appetite.

How Do I Compare Investment Property Loan Lenders?

Compare the APR, not just the note rate.

Compare total closing costs, points, reserve requirements, prepayment penalties where applicable, speed to close, investor-program depth, and whether the lender understands DSCR, multi-unit, and portfolio growth.

A lower advertised rate is meaningless if the lender cannot execute your property type or borrower profile.

McGowan Mortgages works with multiple lenders to help investors compare their options based on the actual deal, not a generic rate sheet. Get in touch now.

What Investment Property Loan Programs Are Available for Buying a Duplex, Triplex, or Fourplex?

For 2- to 4-unit investment properties, the main options are conventional financing, DSCR financing, and portfolio lending.

The big difference is that multi-unit investor deals generally require more equity and more scrutiny because the underwriting, appraisal, and rent analysis are more complex than a typical single-family rental.

Under standard Fannie Mae eligibility, a 2- to 4-unit investment-property purchase caps at 75% LTV, which means 25% down.

That is one of the most important numbers on the page because readers shopping duplexes and fourplexes often still assume the down payment will look like a 1-unit rental. It does not.

This is also where DSCR can become especially attractive.

Multi-unit properties often have stronger rent coverage. This makes it much easier to qualify for a DSCR loan, even if your tax returns are heavy on write-offs or your personal income looks light on paper.

How Can I Refinance an Investment Property Loan to Lower My Monthly Payment and Improve Cash Flow?

There are three main reasons to refinance an investment property:

Lowering your rate
Boosting cash flow
Pulling equity for your next deal

In 2026, the best move isn’t based on the news cycle. It’s based on your break-even point, closing costs, and whether the new payment improves your property’s bottom line.

If you closed your loan during the rate spikes of the last few years, it’s time to run the numbers.

30-year averages are lower than they were a year ago, but they can still jump back up quickly.

In other words, don’t wait for a perfect market that may never come. Better to act on a solid math-based win now.

Is It Worth Refinancing an Investment Property in 2026?

It can be, but only if the new loan improves your math.

If the rate reduction, term change, or cash-out strategy materially improves monthly cash flow or portfolio flexibility, refinance is worth exploring. If not, it is just transaction friction wearing a lower headline rate.

Which Investment Property Loan Is Best for a First-Time Real Estate Investor Planning to Buy and Hold Rentals?

For most first-time investors, a conventional 30-year fixed loan on a single-family rental is the best move. It’s easier to understand, simpler to model, and built for long-term cash flow.

Your priority should be payment stability and a healthy margin for maintenance or vacancies. New investors often get in trouble by buying at the absolute edge of their approval limit.

The best first deal isn’t the maximum deal but the one that still works when reality shows up.

Best starting point for many first-time investors: a 30-year fixed conventional loan on a single-family rental with enough equity and reserves to protect cash flow.

What Credit Score and Income Do I Need to Get Approved for an Investment Property Mortgage?

Most lenders look for a credit score in the high 600s, but you’ll typically need a 720 or higher to unlock the best interest rates.

The “how” of your approval depends on the loan type:

Conventional Loans: These are best for W-2 employees with stable earnings. Approval is based on your personal income, tax returns, and debt-to-income (DTI) ratio.
DSCR Loans: These are built for scalability. Qualification focuses on the property’s rent coverage rather than your personal tax returns.

If you are self-employed or have a complex portfolio where your tax returns don’t show your true cash flow, DSCR is usually the smarter path.

If you have a straightforward W-2 and a strong borrower profile, Conventional remains the cleaner, more traditional option.

What Is the Minimum Down Payment Required for an Investment Property Loan on a Condo or Single-Family Rental?

For a single-family investment property, the standard floor is usually 15% down. If you’re looking at 2- to 4-unit properties, expect that to jump to 25% down under standard agency limits.

Condos are a different animal.

It’s not just about your credit. The lender has to approve the entire building. Project warrantability, HOA financials, insurance, and owner-occupancy ratios all play a role.

The Bottom Line: A rental condo isn’t just a normal investment loan. Financing can tighten quickly depending on the project’s health, so your down payment or pricing might shift based on the HOA’s books.

How Much Higher Are Interest Rates on Investment Properties Compared to Primary Residences?

Investment property rates are almost always higher than those for a primary residence. This isn’t just a random risk premium but baked into the agency pricing.

Current benchmarks for a standard 30-year fixed primary mortgage are hovering around 6.11%. Note that investment properties typically see a spread of 0.50% to 1.00% higher because of specific pricing adjustments (LLPAs).

The gap can widen if:

Your credit score is lower.
Your down payment is small (high leverage).
You are buying a multi-unit property (2-4 units) instead of a single-family home.

Essentially, the more complex the deal, the more the pricing shifts.

Property Type	2026 Pricing Benchmark	Typical Down Payment	Pricing Pressure
Primary Residence	Around base-market pricing	3% to 5% possible on some conventional structures	Lowest
Second Home	Usually above primary	10% to 15% common	Moderate
Investment Property	Usually above primary and often above second-home pricing	15% to 25% common	Highest

How Do Interest Rates Affect Rental Property ROI?

A small rate change can easily flatten a good deal.

Even a 0.5% shift can translate into thousands of dollars over the life of a loan and drastically change your monthly cash flow.

Serious investors don’t just shop for the lowest rate. They look at the total cost of capital and whether the debt supports the property’s performance.

When comparing offers, look beyond the sticker rate at:

Points and lender fees
Prepayment penalties
Reserve requirements
Execution certainty (Can the lender close?)

The lowest rate isn’t the best win if the loan structure weakens your overall deal.

Can You Get a 30-Year Fixed Mortgage on an Investment Property?

Yes. The 30-year fixed-rate mortgage is the gold standard for buy-and-hold investors.

It gives you a predictable payment and stable, long-term cash flow you can count on.

While the 30-year is the most common, it’s not your only option. Depending on your strategy, you might also consider:

15- or 20-year fixed structures: Great for paying down equity faster if the cash flow still works.
Adjustable-Rate Mortgages (ARMs): These can be a smart move if you only plan to hold the property for a few years before selling or refinancing.

Most DSCR loans also offer these same flexible terms, allowing you to match your debt to your specific exit strategy.

What Is the Difference Between a Conventional Loan and a DSCR Loan for Investment Properties?

The core difference is what qualifies the deal.

Conventional loans qualify the borrower.

DSCR loans qualify the property.

Conventional loans are usually the cheapest option if you have a strong “full-doc” profile. This means a steady W-2 and clear tax returns.

DSCR becomes the better move when you’re self-employed, scaling your portfolio quickly, or buying through an LLC.

It’s designed for investors whose income doesn’t fit into a standard underwriting box but whose properties are high-performers.

Feature	Conventional Loan	DSCR Loan
Income Verification	W-2s, tax returns, pay stubs	Property-income focused
Common Credit Floor	Often high-600s and up	Often 660+
Down Payment	15% to 25%	20% to 30%
Max Properties	Agency limits can allow up to 10 financed properties	Often more scalable, lender dependent
Rate	Usually lower for strong full-doc files	Often higher, but more flexible
Best For	Straightforward borrowers	Self-employed and scaling investors

What Documents Are Needed to Apply for an Investment Property Loan?

For conventional investment-property loans

Last 2 years of personal tax returns
Business tax returns if applicable
Recent pay stubs if W-2 employed
Recent bank and asset statements
Lease agreements or rental-income documents
Insurance declarations if refinancing
Purchase contract if buying
Current mortgage statement if refinancing

For DSCR loans

Property appraisal with rent schedule or market-rent support
Current lease agreement or market-rent analysis
Bank statements for reserve verification
Entity documents if purchasing in an LLC where allowed
Credit authorization and standard lender disclosures

Have your documents ready? Apply now with McGowan Mortgages and get pre-approved for your investment property loan.

Can I Apply Online for an Investment Property Loan?

Yes. In 2026, online applications, digital document uploads, and e-signatures are the industry standard.

The real differentiator is the person on the other end.

While any lender can take an application online, you need a guide who understands the nuances of investment-property financing.

Having a digital process is great for speed. Having an expert advisor ensures the file is structured correctly from the start.

Are Investment Property Loan Rates Expected to Go Down in 2026?

Nobody can promise a rate drop.

Fannie Mae’s February 2026 forecast projected averages around 6.0%, but Freddie Mac’s March 12 survey already showed the 30-year fixed back at 6.11% after some recent volatility.

The takeaway? Rates might moderate, but they move fast and they’re unpredictable.

The smartest move is to make sure your deal works at today’s terms.

If the market gives you a chance to improve your capital stack later, take it. But don’t bank on a forecast that could change by next week.

Expert Viewpoint: Why Comparing Lenders Is the Most Important Step You Can Take in 2026

The investors who win in 2026 are often the ones who structure financing better.

A small pricing difference compounded over years can materially change cash flow. And because investor lending is fragmented, comparison matters even more here than it does on a standard owner-occupied loan.

This is where McGowan Mortgages has a strong positioning advantage.

Different lenders fit different strategies. Borrowers benefit when someone knowledgeable compares multiple options instead of pushing one default program.

That is the language of a useful advisor, not a rate-sheet robot.

McGowan Mortgages helps investors secure competitive financing. Contact the team today for a free rate quote and compare your options before you commit.

Frequently Asked Questions About Investment Property Loans

What credit score do you need for an investment property loan?

Most conventional borrowers should expect to be around 680 or higher, while better pricing usually goes to 720+ borrowers.

How much of a down payment is required for an investment property?

Expect 15% down on many 1-unit conventional investment purchases and 25% down on many 2- to 4-unit investment purchases under standard agency limits.

Which banks offer low investor mortgage rates in 2026?

Mortgage brokers often beat single-lender shopping because they can compare multiple wholesale options instead of quoting one credit box.

How do you qualify for an investment property mortgage?

You qualify based on credit, down payment, reserves, and either your documented income or the property’s rental income if you use a DSCR program.

What is the minimum down payment for rental property financing?

The standard floor is often 15% for a 1-unit conventional rental, though stronger terms usually come with more equity.

Can I apply online for an investment property loan?

Yes, digital application and document submission are standard in 2026.

Are investment property loan rates expected to drop in 2026?

They may ease or rise depending on market conditions, so the better strategy is to underwrite the deal at today’s payment and refinance later if the numbers improve.

What is the difference between a conventional loan and a DSCR loan for investment properties?

Conventional qualifies the borrower using personal income, while DSCR qualifies the property using rental-income coverage.

How do interest rates affect rental property ROI?

Higher rates raise debt service, compress monthly cash flow, and reduce return unless the property’s income offsets the added cost.

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21:24 26 Mar 26

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03:15 20 Mar 26

They made the whole process super easy and I was able to close quick with a low interest rate. I will definitely use them again for my next home and refinancing.

Lindsay Blanchard

01:30 20 Mar 26

We loved working with McGowan! It was our first time buying a house, and we were so overwhelemed. They were supportive the whole way through and patient explaining everything so we could make the best decisions on our loan choice, how much to put down, saving for closing, etc. Very responsive and could tell genuily care. :)

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16:26 11 Mar 26

Derek and his team worked tirelessly to get us approved and into our new house, all around the clock. We have worked with several other lenders and can confidently say that the McGowan group far exceeded our expectations. They listened, explained, and walked us through every step. I would recommend McGowan Mortgages 100% with no hesitation to anyone thinking about buying a home. Their level of expertise, especially in this market, will make the difference in securing the house of your dreams with rates you can afford or having made the biggest mistake of your life. I will always come back and know that they are there for my family and I, with any questions we have. I can’t thank the McGowan team enough for their professionalism and dedication to our family during a difficult process made easy.

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My Team was fast and very flexible. I appreciate them helping us with our first DSCR Loan. 10/10

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21:11 05 Mar 26

The team was phenomenal to work with and extremely helpful every step of the way. I recommend them to anyone purchasing or refinance their home.

Max Disser

18:07 10 Feb 26

McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.

McGowan Mortgage Team

17:58 10 Feb 26

Derek and his team go above and beyond to help. I couldn't be happier with the service I received. There was always someone to answer my questions and guide me through. I will be recommending them to everyone I know! Thank you again!

Rogilyn Martinez

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Fantastic company with a knowledgeable and supportive team. Great processes, clear communication, and a strong commitment to quality. Highly recommend!

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Spartacus 777

03:50 10 Feb 26

I am very grateful with McGowan Mortgages, they helped me to get the mortgage for my new house last year, especially when most banks told me it was too difficult or even impossible because I am a self employed, McGowan made simple and possible, I truly recommend them.

Hunter Bruecker

20:33 09 Feb 26

There team is great they worked together to get my heloc funded in 9 days, when I was on a time crunch!!

Maxwell Jones

22:41 08 Feb 26

If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy.We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable.He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark.What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish.If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.

D. Boulden

19:33 08 Feb 26

Derek and his team worked to find a tailored solution for my circumstance. Responsive and detailed team that will work to find the best product that meets your goals. I would highly recommend this company!

Jacob Schuetze

18:43 29 Dec 25

Derek has a great team, and while the process wasn't without hiccups, his team was great to work with and helped every step of the way.

matt bielert

15:36 10 Dec 25

Derek got us set up and approved fast so we could put in offers on homes quickly. We got our place and the experience was great. Also during the process as questions or concerns came up he answered quickly and was very professional . We look forward to working with Derek and the McGowan team for future investments.

Paul Semple

14:41 19 Oct 25

I have never met a group of people who are experienced when it comes to home buying.It wasmy first time purchasing a home.I didn't know how to start the home buying process.I was introduced toTiana, Jessica, Derek and their team who stood up with me and my daughter from the beginning to the end.We were in our house in a timely manner.We will like to say thanks toDerek and his team. ⭐⭐⭐⭐⭐

Joann Ross Sanchez

22:35 18 Oct 25

I have a good experience working with McGowan Mortgage all the team make my dream come true in my new house they move so fast and when I almost give up they jump and do everything always with a good communication no matter the hour always I have the answer thanks for everything you and you team are A plus. Thanks to everyone work with me ( Megan, Analise, Tatiana and Derek)

Kaylie Westhefer

17:57 24 Sep 25

Thank you Max for all of your assistance! Your knowledge and customer service was outstanding and we are so thankful for your patience with us. Highly recommend connect with Max if you are shopping for rates and mortgage options! Had the pleasure of speaking with Derek and Thao at an event and they are just such great and kind individuals! Appreciate you all!

Andrew Halsey

16:23 15 Sep 25

Good help when needed all through the processes

Tina Liu

13:06 10 Sep 25

Cindy initially reached out to me, and then Julie followed up to help me see where I stand with buying a home since I’m looking into it for next year. She gave me a clear plan moving forward, and I really appreciate that it didn’t feel pushy at all. McGowan Mortgages truly seem like they care more about their customers than just pushing out numbers, and I’m excited to use them next year when I’m ready.

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Valerie Simmons

20:07 06 Sep 25

Cyndy, Missy and Derek were all very helpful, got us a great deal, lowered our closing costs and were so very professional and courteous. We appreciate all the energy and time. Thank you so much.

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03:12 05 Sep 25

Everybody is amazing and helpful and really is there to help you and make sure you have every answer and if they dont they will try there hardest and get back to you in a very fast manner. 10 out of 10 recommend. Thank you guys for everything you guys did to help me get my wife and I our first house.

Faith Packer

21:58 02 Sep 25

I am currently working with McGowan Mortgages on my refinance, and the experience has been wonderful so far. Even though I’ve run into a few hiccups with my situation, Fidel has been incredibly helpful and supportive throughout the process. With my busy schedule, I sometimes can’t respond right away, but their team always checks in with me and keeps me motivated to stay on track. Those reminders make a huge difference for someone like me.I was recommended to McGowan Mortgages by my friend Julie, who helped me get started with my refinance application, and I’m so glad she did. Everyone on the team has been wonderful, professional, and committed to making the process as smooth as possible. Highly recommend!

Jenny Nance

18:36 23 Jul 25

my daughter referred me to mcgowan mortgage and the process has been great! I have been starting up my process with Julie and she has made this all a breeze! very grateful to have someone so helpful.

stacey gordon

15:25 22 Jul 25

We had such an awesome experience with the team! Would recommend a thousand times over!

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17:04 19 Jul 25

13:56 17 Jul 25

Whether you are a first time home buyer or a seasoned homebuyer these folks work so hard for you. They were kind, patient, knowledgeable and professional in every step of the process. I had little to no experience with every aspect of the process and they never let that get in the way. They worked hard every day and were always accessible. Can’t say enough good things about this company!!!!!

Steve P.

15:46 16 Jun 25

McGowan … from start to finish were always alternative and Helpful , with our loan process, last year we work with another major national loan company and we regretted the experience and hindered us purchasing a home at last minute . Wasn’t case this time around and we are happily in our new home ! Thank you Derrick McGowen and Staff and are grateful for your efforts and making our retirement home purchase possible .

Zoe B.

16:00 12 Jun 25

As a first-time homebuyer, I was honestly so clueless about the loan process, but working with McGowan Mortgages has been nothing short of amazing. From the very beginning, Julie, my application specialist, made everything so easy to understand. She communicated with me every step of the way and always kept me updated. After her, Tiana stepped in and has been just as incredible. The consistency in communication and support has been something I truly appreciate. What stood out the most is how well the entire McGowan team keeps everyone in the loop…not just me, but even my realtor! He hardly ever needs to reach out because they are always a step ahead in keeping everyone informed. It’s clear this team genuinely cares and wants to help people, not just push deals through. A huge thank you to Derek and the entire McGowan Mortgages team. You all are such kind, wholesome people, and it truly shows in how you treat your clients. I’m so excited to close on my new home soon, and I’m so grateful to be doing it with a team I trust!

Daniel Byard Keller Williams One Legacy Partners L.

18:24 07 Jun 25

My self and my Team have used McGowan Mortgages as a partner lender to our Real Estate Team for a few years now and they GET THINGS DONE. Derek and the Team are on point! 5 stars All the way!

05:09 06 Jun 25

Working with McGowan Mortgages was a fantastic experience. They were responsive, knowledgeable, and made the entire mortgage process smooth and stress-free. Communication was top-notch, and every step was explained clearly and handled with care. I highly recommend McGowan Mortgages to anyone looking for a trustworthy and efficient mortgage professional!

Team Ringgold - A.

16:20 05 Jun 25

McGowan goes above and beyond to keep things as easy as possible. Great communication and they really strive to put the customer first. I highly recommend for anyone who is getting a home loan!

Ali P.

14:04 05 Jun 25

The McGowan Team was very communicative for their clients from contract to close! It was a pleasure to work with their team.

Genrikh K.

15:59 03 May 25

Amazing team, helped me a lot and explained all what I need in proper ways that easy to understand.

Rick S.

19:10 21 Mar 25

McGowan Mortgages were easy to work with and closed quickly. I completed a refinance on a rental property with them and then closed on another property with them both in the same month. My realtor was also impressed with them and thought they were easy to work with. I plan on using them again to refinance down my second rental property. I highly recommend them.

tammy D.

14:19 21 Mar 25

What a great team! Very friendly and easy to work with. We were able to close on our house in less than a month.

Christina A.

05:16 09 Mar 25

Derek and the team made the whole process easy and will answer any questions you might have! They guided me through the entire process, ensuring that I understood all my options and felt confident in my decisions! Thank you!

D L.

21:30 04 Mar 25

THIS COMPANY ROCKS!!!!Navy federal gave me HELL ON EARTH!!!Mcgowan Mortgage saved me big time on a refinance!!! Derek, Fidel, Megan, Jessica, they are awesome!! To work withWill most definitely continue to do business with them again!!

Bob P.

17:20 04 Mar 25

Derek is a great Loan Officer that will go above and beyond to help you get into your home...His exceptional service and dedication truly sets him apart from the rest..Its always a pleasure to work with him!

James J.

13:46 04 Mar 25

I can’t say enough great things about Derek McGowan and his incredible team. Their professionalism, responsiveness, and commitment to finding the best solutions for clients truly set them apart.If you're looking for a lender who genuinely cares and delivers outstanding service, I highly recommend Derek McGowan and his amazing team.Jim Jablonski American Financial Resources LLC.

Sofi T.

21:06 03 Mar 25

Derek and his team are wonderful to work with! Proactive, friendly and professional. I would highly recommend.

Teddy K.

14:02 03 Mar 25

Derek McGowan was fantastic to work with! He’s fast, detail-oriented, and made the entire loan process smooth and stress-free. Highly recommend him for anyone looking for a reliable and efficient loan officer!

Bill S.

03:37 03 Mar 25

Best mortgage company I’ve ever worked with. I would definitely recommend. Kept the word through the whole process. Thanks to all of you guys and gals!!

Wade H.

23:41 02 Mar 25

Derek McGowen and his team are the best in the business. As mortgage brokers they have access to endless loan options and best in market rates. If you want great service and experience look no further.

Vaughn K.

02:24 02 Mar 25

Robyn has been a pleasure to work with and has provided a great experience! She is very communicative and helpful and has lots of knowledge!

Jose G

19:57 01 Mar 25

Great experience working with the McGowan team. They were able to help me and my fiancé get qualified and were very helpful throughout the process.

Jarret S.

19:34 01 Mar 25

The McGowan crew was great!! After trying a few mortgage company’s that wouldn’t approve us for the amount we wanted I found McGowan. They immediately got us approved for the amount we wanted. They for sure have ways of helping people who may have particular situations in the home buying process. Everyone was so nice and helpful and the one thing I especially loved was the prompt updates they were always keeping me informed on what was happening with my loan throughout the whole process. Jess the processor was also exceptional and made that whole process extremely stress free when it came time to get everything in order for the underwriter. Thanks for everything!! If I ever buy another house in the future I will certainly be using McGowan!!

Frank P.

17:13 01 Mar 25

Easy to work with very professional great at returning text email and calls and closing the deal I will deff use them again

Coralee C.

16:41 01 Mar 25

After so long trying and so close to my rental lease ending, I was recommended to this wonderful team and they made it happen. In about 30 days I was approved and moved in to my new home! Very grateful and happy. Smooth process.. Definitely will recommend.

Taelor C

16:31 01 Mar 25

They made the whole process easy and kept me in the loop about everything! I definitely would recommend.

rory L.

06:49 01 Mar 25

Derek and his team are great! Always there to answer any questions. Needed to close on time and they delivered!

Joshua C.

23:19 13 Feb 25

Derek and his team were organized, responsive and got the job done for our mutual client. Great experience all around!

Dawn D.

21:44 13 Feb 25

I've worked with McGowan Mortgages on multiple occasions. They are the absolute best at keeping everyone involved in a transaction, very well informed in the mortgage process. These folks at McGowan Mortgages strive to make sure clients understand everything!!! I highly recommend them to anyone interested in purchasing a home!

Alicia S.

17:40 10 Feb 25

As a Realtor when working on a financed deal for a client, nothing is more important then timely response and accountability from the lender and MCGOWAN MORTGAGE offers both! Highly recommend!

Rachel T.

15:13 01 Feb 25

I had a fantastic experience refinancing my home with Derek and his team at McGowan Mortgages. They made the entire process quick and seamless, handling everything efficiently and with great care. The team was incredibly friendly and responsive, always available to answer my questions and keep me updated. I felt taken care of every step of the way, and they really went above and beyond to make sure everything was done right. Highly recommend them for anyone looking to refinance!

Janna H.

14:53 31 Jan 25

Amazing team with the fastest service I’ve ever seen. HIGHLY RECOMMEND!!

Don S.

Jacquelyn B.

01:05 25 Jan 25

So helpful for first time buyers! Great customer service and responds quickly with great tools and information for buying a home!

Dan H.

16:56 30 Dec 24

Derek and his team were great to work with. They constantly keep us up to date on the status of the loan and how things were progressing. They were very helpful and in constant communication.

Kim W.

01:17 27 Dec 24

My husband and I are extremely pleased and grateful for the awesome job that McGowan Mortgage did for us.With 11 days to close we decided to go with McGowan due to issues with our other lender. McGowan’s team jumped right in and got us to close on time.Their entire team is professional, knowledgeable and kept us informed every step of the way!Most importantly we appreciate Derek and his team for caring about us to get us the best interest rate.We will definitely use them again and tell our family & friends about their services.

reggie P.

05:24 26 Dec 24

Derek and his staff came through in clutch time! Under dyer circumstances they were able to get my clients closed in 7 days, and keep it 100% professional. I look forward to working with them again.

Lynn P.

18:24 24 Dec 24

Derek and his team are stellar. Their communication and follow up is awesome.The have access to some very outside the box lending options for some of the more unique buyers.Highly recommend them!

Alberto R.

01:07 24 Dec 24

Very easy to work with as I always say if McGowan mortgages can’t do it then no one can.

anthony P.

06:48 09 Dec 24

My experience with the McGowans Corp was such a blessing and a truly one of a kind Adventure. We couldn’t have possibly chosen a more professionalKnowledgeable and well versed company thatmade our interactions feel more like family truth be told. They made the entire process seamless from start to finish, I mean wow and their confidence prior to any paperwork signing let us know what they do, how they work, what to expect as far as some highs and lows of new home searching. I would choose them a thousand times with confidence and ease in knowing the end results would be the same. Thank youDerek and Thao!!

Betty B.

21:29 28 Nov 24

Super Mortgage Company. They worked with me to get my mortgage when no other company would. They were with me the whole way. Constant communication and making sure all was getting done satisfactorily. So grateful to all of you. Thank you!

Noah L.

20:51 25 Nov 24

Derek was very helpful in the overwhelming process of buying a house!

Ash Dow (.

17:57 23 Nov 24

Awesome team! Enjoyed working with them!

Togo

16:37 23 Nov 24

They were wonderful people to work with, very receptive, efficient and nice. :) buying my first home was made easy by McGowan!

Steven M.

01:30 06 Nov 24

After 22+ in the Navy, I retired as a disabled combat veteran. I just wanted to come back to my hometown, buy some dirt, and finish raising my family. McGowan Mortgages were able to make that dream happen for me. They were outstanding to work with, genuinely engaging, and very proactive. They went out of their way to get the best possible interest rate so I was able to maximize my purchasing power. Thank you McGowan Mortgages!

Chris H.

01:35 26 Oct 24

Easy, seamless process. Derek was always available by phone and explained everything, anytime, I had questions!

Job R.

22:07 24 Oct 24

Loved working with them in getting our home made it nice and smooth for me thank you guys again

Tyler S.

21:05 21 Oct 24

They went above and beyond to help us get into the home we found on a time crunch. Highly recommend Derek and his team.

Oleg S.

21:12 18 Oct 24

Brittany F.

01:01 18 Oct 24

Fabulous team across the board! Derek and his team will be there with you every step of the way, focused not only on getting the sale through, but making sure to get you the best rates out there. Will definitely be working with their team again when it's time!

Kitamwire 2.

04:18 11 Oct 24

As first time home buyers. Me & my wife were very pleased to have McGowan as our Mortgage broker. The staff members were very professional in guiding us through the paper works and always open for questions throughout the buying process. Made our first home buying experience much smooth. Definitely recommended to any potential home buyers. We are looking forward to refinance with them in the coming months.

Alisa C.

16:10 10 Oct 24

chantel C.

12:25 10 Oct 24

I am thrilled to share my experience with McGowan Mortgages, as they played a pivotal role in helping me purchase my first home after what had been a deeply frustrating journey with two other lenders. My previous attempts werefraught with delays and ultimately ended in heartbreak when both lenders denied my applications after months of waiting. It felt like I was stuck in a limbo, unsure if I would ever achieve my dream of homeownership.When I turned to McGowan Mortgages, I was greeted with a refreshing level of professionalism and genuine care. From the very beginning, they provided me with a clear and actionable plan to raise my credit score, which was crucialin securing my approval. I was able to move into my new home within just 2-3 weeks—an impressive turnaround compared to my previous experiences.What stood out most was the patience and understanding of the McGowan team, particularlyDerek, who worked tirelessly to ensure I was well-informed throughout the entire process. He was always available to address my concerns, no matter the time of day. This kind of support truly made a difference during atime when I felt overwhelmed by the complexities of home buying.Thanks to McGowan Mortgages, I secured an incredible deal: no money down and a competitive 5.2% interest rate. Additionally, when the seller requested more money for the extended wait caused by my previous lenders,Derek kindly offered me a $500 credit to help ease that burden. As a single mom and a veteran, this support was invaluable.I cannot thank Derek and the entire McGowan team enough for their dedication and commitment to helping me realize my dream of homeownership. They provided educational videos to guide methrough the process and kept me on track with timelines, making everything feel manageable and straightforward.In conclusion, I wholeheartedly recommend McGowan Mortgages to anyone seeking a lending partner. My experience was nothing short of exceptional, and I am now a proud homeowner because of their outstanding service. I would ratethem a firm 10 out of 10!

Terry B.

23:20 08 Oct 24

Buying our first home was an incredible experience thanks to McGowan Mortgage. From the very beginning, they were attentive, knowledgeable, and genuinely cared about our needs. Especially during the times we were ready to give up. They guided us through every step of the process, making it seamless and stress-free. We ended up finally finding the perfect house in a great neighborhood, all within our budget! Their expertise and dedication made a stressful process enjoyable. Highly recommend! ⭐️

Joe S.

17:03 04 Oct 24

Great service!

Luis M.

21:46 03 Oct 24

Had the best experience.

Caleb W.

00:39 02 Oct 24

Always going above

Subbley H.

22:41 01 Oct 24

My husband and I had a smooth experience with McGowan Mortgages after a challenging start. Their professionalism and patience made our first-time home buying process effortless. Highly recommended!

Steve N.

15:57 30 Sep 24

Team McGowan was great work with throughout the process. They are true advocates for their customers.

Chanita T.

05:10 27 Sep 24

Jessica was very helpful and knowledgeable about the whole process, patient with me being a 1st time home buyer she literally held my hand and walked me through the process will recommend McGowan Mortgages to my friends and family thanks for all you guys did for me

Jeff T.

23:16 10 Sep 24

Derek & team were great to work with! They were very responsive, answered my off-the-wall questions at any time of day, and helped me close faster than anticipated. I would definitely recommend others to work with Derek's team when looking for a house in the future!

matt O.

13:39 26 Aug 24

Fast, efficient, informative and always professional!

Jamie L.

13:10 26 Aug 24

McGowan Mortgages worked very hard to get the job done. The communication is excellent and all the staff were so very nice and efficient. I cant say enough about how grateful I am for this company.

Reginaldo G.

20:24 21 Aug 24

Excelente Servicio y Atención. Gracias

Katie B.

22:54 16 Aug 24

They are a great company to work with. As a First time home buyer with all the questions they answered all of them and were available anytime I needed.

Denise jane A.

01:23 15 Aug 24

The best Mortgage company

Adam S.

18:21 11 Aug 24

Buying my first home was terrifying enough but Derek and his team got me through it anxiety attacks and all. He made the impossible happen and I can't thank him enough.

Mel C.

16:26 08 Aug 24

I recently had the pleasure of working with McGowan Mortgages for my home, and I couldn't be happier with the experience. From start to finish, their team was professional, knowledgeable, and incredibly responsive.They guided me through the entire process with ease, explaining every step in detail and answering all my questions patiently. They were always available to address any concerns I had, which made me feel confident and supported throughout the process.McGowan Mortgages secured a fantastic interest rate for me, saving me a significant amount of money each month. Their dedication to finding the best possible deal for their clients is truly commendable.I highly recommend McGowan Mortgages to anyone looking for a mortgage or refinance. Their exceptional service, expertise, and commitment to their clients make them stand out from the rest. I am grateful for their assistance in making my refinance a smooth and successful experience.

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