At Princeton Mortgage, we offer a variety of loan programs to cater to different needs and financial situations. Here are some of the loan programs we provide:

1. Conventional Loans: These loans are ideal for borrowers with good credit scores and stable income. They typically require a down payment of at least 3% to 20% of the home's purchase price.

2. FHA Loans: Backed by the Federal Housing Administration (FHA), these loans are designed to assist first-time homebuyers and individuals with lower credit scores. They often require a down payment as low as 3.5%.

3. VA Loans: Exclusively available to eligible veterans, active-duty service members, and their spouses, VA loans provide competitive financing options with no down payment requirement. They are backed by the U.S. Department of Veterans Affairs.

4. USDA Loans: Aimed at individuals looking to purchase homes in rural areas, USDA loans offer zero down payment options and affordable interest rates. They are insured by the U.S. Department of Agriculture.

5. Jumbo Loans: For those seeking financing beyond conventional loan limits, our jumbo loan program provides assistance for larger home purchases with loan amounts exceeding the conforming loan limits set by Fannie Mae and Freddie Mac.

6. Renovation Loans: If you're planning to purchase a fixer-upper or make significant renovations to your existing home, our renovation loan programs allow you to finance the purchase or improvements in one mortgage. Options include FHA 203(k) and Fannie Mae HomeStyle loans.

7. Reverse Mortgages: Designed for homeowners aged 62 and older, reverse mortgages enable seniors to convert a portion of their home equity into tax-free cash while retaining ownership of their property.

8. Adjustable-Rate Mortgages (ARM): With an ARM, borrowers can benefit from an initially lower interest rate that may adjust periodically based on market conditions. This type of loan is suitable for short-term homeownership or those planning to refinance in the near future.

9. Fixed-Rate Mortgages: Our fixed-rate loans offer stability and predictable monthly payments, making them a popular choice for homeowners who prefer a consistent payment amount throughout the loan term.

10. HARP Loans: Designed specifically for borrowers who owe more than their homes are worth, the Home Affordable Refinance Program (HARP) helps homeowners refinance their mortgages into more affordable terms and lower interest rates.

Please note that specific eligibility requirements, loan terms, and interest rates may vary based on individual circumstances. We encourage you to contact our knowledgeable loan officers for personalized guidance and to explore which loan program suits your unique needs.