This company offers the following loan programs:

1. Conventional Loans: These are traditional mortgage loans that are not insured or guaranteed by any government agency. They typically require a higher credit score and down payment compared to other loan options.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are designed to help first-time homebuyers and those with lower credit scores. They offer flexible qualification requirements and down payment options.

3. VA Loans: Designed for eligible veterans, active-duty service members, and their spouses, VA loans provide a range of benefits, including no down payment requirement, competitive interest rates, and limited closing costs.

4. USDA Loans: Supported by the U.S. Department of Agriculture, USDA loans are intended for low- to moderate-income borrowers in rural areas. They offer 100% financing and have flexible credit and income guidelines.

5. Jumbo Loans: Jumbo loans are for home purchases that exceed the conventional conforming loan limits set by Fannie Mae and Freddie Mac. These loans are suitable for high-value properties.

6. Renovation Loans: This program allows borrowers to finance both the purchase price and the cost of renovations or repairs into a single loan. It simplifies the process of buying and improving a property.

7. Refinance Loans: Shelter Home Mortgage offers various refinance options to help homeowners decrease their monthly payments, shorten the loan term, or access their home's equity for other needs.

8. Reverse Mortgages: Aimed at older homeowners, reverse mortgages enable individuals to convert a portion of their home equity into tax-free funds without having to sell their home or incur monthly mortgage payments. Eligibility requirements apply.

Note: Loan program availability may vary based on factors such as location, creditworthiness, and loan amount. Contact Shelter Home Mortgage for more details on each program and its specific requirements.