SKIP TO MAIN CONTENT

LOAN PROGRAMS

Fixed Rate Mortgages (FRM)

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

  • 3.5% Down Payment

  • Low monthly payment

  • Low credit score option

  • Purchase, Refinance, Renovate

  • Fixed or Adjustable

  • 1-4 Units

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

 

  • $0 Down Payment???????

  • Low Payments

  • Limited to Veterans

  • No mortgage insurance

  • Purchase, Refinance, Renovate

  • Fixed or Adjusted

  • 1-4 Units

Conventional Loans

A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

 

  • 3% Down Payment

  • More financing options

  • All occupancy types

  • Purchase, Refinance, Renovate

  • Fixed or Adjustable

  • 1-4 Units

USDA Loans

The U.S. Department of Agriculture (USDA) Home Loan Program is designed to help individuals with low-to-moderate incomes buy homes located in rural areas or small communities with no down payment.  The program allows qualified borrowers to use a USDA home loan to purchase eligible properties located in USDA-designated rural areas. 

 

  • 0% Down Payment

  • More financing options

  • All occupancy types

  • Purchase or Refinance

  • Fixed or Adjustable

  • 1 Unit