At Society Mortgage, we offer a range of loan programs to meet your needs. Our loan programs include:

1. Conventional Loans: These are traditional mortgage loans that conform to the guidelines set by Fannie Mae and Freddie Mac. They typically require a down payment of at least 3% and offer competitive interest rates.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are designed for first-time homebuyers and individuals with low-to-moderate income. They require a down payment as low as 3.5% and have more flexible qualification requirements.

3. VA Loans: Exclusive for veterans, active-duty service members, and their eligible spouses, VA loans offer favorable terms and benefits. They often require no down payment and have lower interest rates compared to other loan programs.

4. USDA Loans: Intended for rural and suburban homebuyers, USDA loans provide 100% financing and offer attractive interest rates. They are insured by the U.S. Department of Agriculture and have income restrictions based on location and family size.

5. Jumbo Loans: If you need to finance a high-value property that surpasses the conventional loan limits, our jumbo loan program can accommodate your needs. These loans come with higher down payment requirements and stricter underwriting guidelines.

6. Fixed-Rate Mortgages: With a fixed-rate mortgage, your interest rate remains constant throughout the loan term, providing stability and predictable monthly payments. This loan program is available for various loan types, including conventional, FHA, and VA loans.

7. Adjustable-Rate Mortgages (ARMs): ARMs offer an initial fixed interest rate period followed by adjustable rates. They can be a suitable choice if you plan to sell or refinance your home in the near future. We offer different ARM options to meet your financial goals.

Please note that eligibility requirements, down payment amounts, and interest rates may vary based on factors such as creditworthiness, income, and property location. Contact one of our mortgage specialists for personalized assistance and to explore which loan program aligns with your financial goals.