Loan Programs

          Conventional

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government-insured loans including Federal Housing Administration (FHA) ,  U.S. Department of Veteran Affairs (VA)  and  U.S. Department of Agriculture (USDA) . Conventional mortgages (whether conforming or not) typically have a slightly higher down payment than government loans; however, this loan option normally provides more flexibility with fewer restrictions.

If you have good credit and stable income, reasonable down payment and a a purchase price that puts you below the max conventional loan limits a conventional mortgage might be the best choice

Can be used for purchase, rate/term refinance, cash out refiance, primary residence, second home and investment properties alike. 

          FHA

An FHA loan is insured by the Federal Housing Administration (FHA) and issued by an FHA approved lender. Since these loans were designed for low-to-moderate income borrowers, they offer options to borrowers with lower minimum down payments and credit scores. While FHA loans are popular with first-time homebuyers, they are available to anyone who qualifies.

FHA loans are one of the easiest mortgages to qualify for because they don’t require a large down payment and they are more flexible with credit scores. FHA loans are widely used by first-time homebuyers and can require upfront and annual mortgage insurance premiums.

Home loans insured by the Federal Housing Administration (FHA) can make it easier for you to qualify to purchase or refinance a home. This loan option offers flexible qualification guidelines to help people who may not qualify for a conventional mortgage .

            VA

Most Importantly. Thank you for your service!

A VA loan is a mortgage loan created specifically for eligible military veterans, service members and their spouses. It offers considerable benefits and is issued through private lenders, but guaranteed by the Department of Veterans Affairs (VA), making it a very beneficial program for those who qualify.

VA loans, also known as Veterans Affairs mortgages, offer veterans loan rates that are lower than traditional mortgages and can allow veterans to borrow up to 100% of the property’s value.

For eligible homebuyers, qualifying for a VA loan can also be easier than other mortgage financing programs. With no down payment, low credit score and flexible income requirements, the VA loan program helps many of our military members find a place to call home.

Reverse mortgages

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                down payment assistance

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speciality programs

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