NEO Home Loans offers a range of loan programs to suit the diverse needs of our clients. Here are some of the loan programs available:

1. Conventional Loans: These are traditional mortgage loans that conform to the guidelines set by government-sponsored enterprises (GSEs). Conventional loans often require a higher credit score and down payment, providing competitive interest rates.

2. FHA Loans: Backed by the Federal Housing Administration (FHA), FHA loans are designed for first-time homebuyers and individuals with lower credit scores. They offer flexible down payment options and attractive interest rates.

3. VA Loans: Exclusively available to military veterans, active-duty personnel, and eligible surviving spouses, VA loans are guaranteed by the Department of Veterans Affairs. They provide favorable terms, including no down payment requirements and lower interest rates.

4. USDA Loans: Aimed at homebuyers in rural or suburban areas, USDA loans are insured by the United States Department of Agriculture. These loans offer 100% financing options and attractive interest rates, benefiting low to moderate-income borrowers.

5. Jumbo Loans: For high-value homes, NEO Home Loans provides jumbo loans that exceed the conventional loan limits set by GSEs. These loans allow borrowers to finance large purchases while still offering competitive interest rates.

6. Construction Loans: If you're planning to build your dream home, we offer construction loans tailored to your specific needs. These loans provide funds to cover the costs of land acquisition, construction, and permanent financing.

7. Refinance Loans: NEO Home Loans also offers various refinancing options, allowing homeowners to replace their existing mortgage with a new one. Refinancing can help lower interest rates, monthly payments, consolidate debt, or access home equity.

Please note that eligibility criteria, documentation requirements, and interest rates may vary for each loan program. To learn more about the loan programs offered by NEO Home Loans, please visit our website or consult with our experienced loan officers.