- Loan Programs:

1. Conventional Loans: Traditional mortgage loans that are not insured or guaranteed by the government. These loans typically require a higher credit score and down payment but offer competitive interest rates.

2. FHA Loans: Insured by the Federal Housing Administration, these loans are popular among first-time homebuyers. They have more lenient qualification criteria, lower down payment requirements, and can be used for purchases or refinancing.

3. VA Loans: Reserved for eligible veterans, active-duty service members, and their spouses, VA loans are backed by the Department of Veterans Affairs. These loans often require no down payment and offer favorable terms and rates.

4. USDA Loans: Targeting rural and suburban homebuyers, USDA loans are insured by the United States Department of Agriculture. They provide 100% financing options and have income restrictions based on geographical location.

5. Jumbo Loans: Designed for financing high-value properties, jumbo loans exceed conventional loan limits. These loans typically require a larger down payment and may have stricter qualification requirements.

6. Refinance Loans: Home Wealth Funding offers various refinancing options to help homeowners lower their interest rates, shorten their loan term, or access their home equity for other purposes.

7. Fixed-Rate Loans: With fixed-rate loans, the interest rate remains the same throughout the loan term, providing stability and predictable monthly payments.

8. Adjustable-Rate Mortgages (ARMs): ARMs offer an initial fixed-interest rate period, followed by periodic adjustments based on market conditions. These loans may be suitable for borrowers expecting to sell or refinance before the rate adjustment occurs.

Please note that the information provided here is based solely on the content provided and may not cover all the details of each program.