River's Edge Mortgage offers a range of loan programs to meet the diverse financing needs of our clients. Our loan programs include:

1. Conventional Loans: These loans are not guaranteed or insured by any government agency and can be used for purchasing or refinancing a home.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are specifically designed for first-time homebuyers and individuals with lower credit scores. They offer competitive interest rates and require a lower down payment.

3. VA Loans: Exclusively available to veterans, active-duty service members, and eligible surviving spouses, VA loans provide flexible financing options with no or low down payments. These loans are guaranteed by the Department of Veterans Affairs.

4. USDA Loans: Offered by the United States Department of Agriculture, USDA loans are designed for low- to moderate-income borrowers in rural areas. They provide 100% financing and competitive interest rates.

5. Jumbo Loans: If you're looking to finance a higher-priced property, our jumbo loan program can accommodate your needs. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

6. Construction Loans: If you're planning to build your dream home, our construction loan program offers financing throughout the construction process, typically transitioning into a permanent mortgage upon completion.

Please note that the availability of these programs, as well as their rates, terms, and underwriting policies, may vary and are subject to change without notice. Contact our experienced loan advisors to discuss your specific needs and find the right loan program for you.