Loan Programs
First time home buyer looking into your first home mortgage?
Interested in finding out more about refinancing?
Building your rental portfolio?
No matter what your mortgage needs are, we will work to find a solution to fit your requirements. We are always available to offer more information and help you weigh your options. Our goal is to help you make an educated, advantageous decision that will be to your best benefit.
Conventional
Conventional home loans conform to the guidelines of Fannie Mae or Freddie Mac.
- 3% – 5% minimum down payment
- With or without mortgage insurance
- Purchase or refinance
- Primary, secondary, and investment properties, up to 4 units
FHA
FHA mortgages are sponsored by the government and have lenient credit qualifications.
- Minimum 3.5% down payment
- Mortgage insurance required
- Purchase or refinance
- Primary residence only, up to 4 units
VA
VA loans are government sponsored loans for active or inactive military veterans with at least two years’ of experience.
- 0% down payment
- No mortgage insurance
- Purchase or refinance
- Primary residence only, up to 4 units
Jumbo
Jumbo loans are for loan amounts that exceed Conventional limits.
- Minimum 10% down payment
- With or without mortgage insurance
- Purchase or refinance
- Primary, secondary, and investment properties, up to 4 units
Commercial & Multi-Family
A Commercial or Multi-Family loan makes the purchase or refinance of investment properties possible. Required down payments and loan terms are dependent on qualifications.
USDA Rural Housing
A Rural housing loan is ideal for purchasing a home in qualified rural areas outside of a larger metropolis.
- 0% down payment
- No mortgage insurance
- Subject to annual fee
- Purchase or refinance
- Primary residence only
Homes for Heroes
Are you a community hero? Firefighters, police officers, teachers, and healthcare workers qualify for discounts on closing costs through Homes for Heroes!
- Works with all loan programs
- Primary residence, second home, investment property
- Purchase or refinance
- Save even more when you work with a Homes for Heroes Realtor
FHA 203(k) Rehab, full and streamline
FHA 203(k) loans allow you to finance the cost to repair and renovate a home.
- Minimum 3.5% down payment
- Mortgage insurance required
- Purchase or refinance
- Primary residence only, up to 4 units
Conventional HomeStyle Renovation
HomeStyle Renovation loans allow you to finance the cost to repair and renovate a home under Conventional guidelines.
- Minimum 5% down payment
- With or without mortgage insurance
- Purchase or refinance
- Primary, secondary, and investment properties, up to 4 units