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Loan Programs

On top of offering the traditional loan programs, we also offer a variety of unique products to fit your specific situation.

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Conventional

Conventional loans are loans backed by private lenders and financial institutions. It’s suited for those with higher credit scores and requires 5% down payment for first time home buyers or 10% for previous homeowners.

FHA

The FHA Home Loan Program is a government insured mortgage which is a great option for first time homebuyers with less than perfect credit. Minimum credit score of 580 is required and only 3.5% of the new loan amount is required as the down payment.

VA

The VA loans are available to active and veteran service personnel and their surviving spouses and are backed by the federal government. No down payment is required, no prepayment penalties, no maximum loan amount with full entitlement, and no monthly MI. 580 Minimum FICO required

USDA

USDA loans are backed by the United States Department of Agriculture. This allows for lower interest rates and even no down payment, but there are maximum income thresholds. Check to see if the property you’re interested in qualifies for USDA loans,
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