At Province Mortgage Associates, Inc., we offer a variety of loan programs tailored to meet the diverse needs of our clients. Our loan programs include:

1. Conventional Loans: These loans are ideal for borrowers with good credit and a stable income. They typically require a down payment of at least 3% and come with flexible terms.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are popular among first-time homebuyers. They have more lenient qualification requirements and allow for a down payment as low as 3.5%.

3. VA Loans: Exclusively available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer competitive interest rates and require no down payment. They are guaranteed by the Department of Veterans Affairs.

4. USDA Loans: Designed for borrowers in rural and suburban areas, USDA loans provide 100% financing with no down payment required. These loans are backed by the U.S. Department of Agriculture.

5. Jumbo Loans: If you are looking to finance a higher-priced property, our jumbo loans can help. With loan amounts exceeding the conforming loan limits, these loans are suitable for luxury homes and typically require a larger down payment.

6. Bridge Loans: Bridge loans provide short-term financing to bridge the gap between the sale of your current home and the purchase of a new one. These loans offer temporary funds until permanent financing is secured.

7. Renovation Loans: For those planning to renovate or improve their existing property, our renovation loans offer flexible financing options. They can cover the costs of both the purchase and renovation of a home.

8. Reverse Mortgages: Available to homeowners aged 62 and older, reverse mortgages allow individuals to convert a portion of their home equity into tax-free funds. This loan option enables retired homeowners to supplement their income or finance large expenses.

9. Construction Loans: If you're planning to build your dream home, our construction loans provide financing during the construction phase. These loans have flexible terms and are converted into a permanent mortgage once construction is complete.

Please note that eligibility requirements, interest rates, and terms may vary depending on individual circumstances. Contact us for more information or to discuss which loan program may be best suited to your needs.