- Conventional Loans: We offer conventional loan programs that are not insured or guaranteed by the government. These loans typically require a higher credit score and down payment, but they provide flexibility in terms of loan amounts and repayment terms.

- FHA Loans: Our Federal Housing Administration (FHA) loan program allows borrowers with lower credit scores and smaller down payments to qualify for financing. These loans are insured by the government, making them more accessible to a wider range of homebuyers.

- VA Loans: As a veteran-owned mortgage lender, we specialize in VA loans for eligible veterans, active duty service members, and their families. VA loans offer competitive interest rates, flexible qualification criteria, and often do not require a down payment.

- USDA Loans: Our United States Department of Agriculture (USDA) loan program provides financing options for borrowers in rural and suburban areas. These loans offer low-interest rates and may not require a down payment, making them accessible for those looking to purchase a home in eligible areas.

- Jumbo Loans: For borrowers seeking high-value properties, our jumbo loan program offers financing above the conforming loan limits set by Fannie Mae and Freddie Mac. These loans have unique requirements and may require a larger down payment and higher credit scores.

- Refinance Options: We provide refinancing options for homeowners looking to lower their interest rates, reduce their monthly payments, or access equity in their homes. Our refinance programs cater to both conventional and government-backed loans.

- First-Time Homebuyer Programs: We offer special loan programs designed to assist first-time homebuyers in achieving their homeownership goals. These programs typically provide favorable terms and may offer down payment assistance.

- Adjustable-Rate Mortgages (ARMs): Our adjustable-rate mortgage programs allow borrowers to secure a lower initial interest rate for a specified period before it adjusts periodically. ARMs can be suitable for those planning to sell or refinance their homes before the rate adjusts.

Please note that the provided information is based solely on the text given and may not reflect the complete range of loan programs offered by The Federal Savings Bank.