GMFS Mortgage offers a variety of loan programs to meet the needs of different consumers. The available loan programs include:

1. Conventional Loans: These loans are not insured or guaranteed by the government and typically require a higher credit score. They offer fixed or adjustable interest rates and flexible down payment options.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are popular among first-time homebuyers. They have more lenient qualification requirements, lower down payment options, and can be ideal for those with limited credit history.

3. VA Loans: Exclusively for veterans, active-duty military personnel, and eligible surviving spouses, VA loans provide favorable terms such as no down payment, competitive interest rates, and no private mortgage insurance requirement.

4. USDA Loans: Designed for properties in eligible rural areas, USDA loans are backed by the U.S. Department of Agriculture. They offer 100% financing, low-interest rates, and flexible credit requirements for income-qualified borrowers.

5. Jumbo Loans: Jumbo loans are used for luxury properties or homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans usually require a larger down payment and have stricter qualification criteria.

6. Renovation Loans: GMFS Mortgage provides renovation loans that allow borrowers to purchase a home and finance the cost of repairs or renovations into a single mortgage. This option simplifies the financing process for those looking to renovate or improve their property.

Please note that loan programs may not be available in all states or to all consumers. Each loan application is subject to approval based on creditworthiness and property evaluation. It is advisable to consult with a tax advisor regarding the tax implications of the chosen mortgage. GMFS Mortgage operates under the Equal Housing Lender policy and originates all mortgages through GMFS LLC, NMLS ID #64997.