1. Conventional Loans:

- Conventional loans are traditional mortgage loans not insured or guaranteed by the government.

- These loans typically require a higher credit score and a down payment of at least 3% to 20% of the home's purchase price.

- They offer flexible terms and competitive interest rates.

2. FHA Loans:

- FHA loans are backed by the Federal Housing Administration (FHA), providing more accessible financing options for eligible borrowers.

- These loans have relaxed requirements, including lower credit score and down payment requirements.

- They are suitable for first-time homebuyers and individuals with less-than-perfect credit.

3. VA Loans:

- VA loans are designed for veterans, active-duty service members, and surviving spouses who meet certain eligibility criteria.

- These loans are guaranteed by the Department of Veterans Affairs (VA) and offer favorable terms such as no down payment and no private mortgage insurance (PMI).

- They provide a great opportunity for veterans to become homeowners.

4. USDA Loans:

- USDA loans, issued by the United States Department of Agriculture (USDA), are intended for low- to moderate-income buyers purchasing homes in eligible rural areas.

- These loans offer 100% financing, meaning no down payment is required, and have affordable fixed interest rates.

- They are an excellent option for those looking to settle in rural communities.

5. Jumbo Loans:

- Jumbo loans are used to finance high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

- These loans provide financing for luxury homes and come with unique underwriting requirements.

- They offer flexibility in loan amounts and allow borrowers to purchase or refinance higher-priced properties.

6. Refinance Programs:

- We offer various refinancing programs aimed at helping homeowners lower their monthly mortgage payments, reduce interest rates, or change loan terms.

- Refinancing options include conventional, FHA, VA, and USDA loans, depending on the borrower's eligibility and goals.

- Our experienced team can guide you through the refinancing process and determine the best program for your needs.

7. Rehabilitation Loans:

- Rehabilitation loans, such as FHA 203(k) loans, provide financing to purchase or refinance a property while incorporating funds for renovations and repairs.

- These loans enable borrowers to finance both the purchase price and the cost of improvements, making it an attractive option for buyers looking to renovate fixer-uppers.

Note: It is important to consult with our loan officers or visit our website for more detailed information, eligibility requirements, and current loan program offerings.