At Total Home Lending, we offer a range of loan programs to meet our clients' needs. Whether you're a first-time homebuyer or looking to refinance, we have options for you. Here are some of our loan programs:

1. Conventional Loans:

- Traditional fixed-rate or adjustable-rate mortgages.

- Offers flexible down payment options and competitive interest rates.

2. FHA Loans:

- Backed by the Federal Housing Administration.

- Suitable for borrowers with lower credit scores or minimal down payments.

- Provides options for fixed-rate and adjustable-rate mortgages.

3. VA Loans:

- Available to eligible veterans, active-duty service members, and surviving spouses.

- Provides benefits like no down payment, lower interest rates, and no mortgage insurance.

- Offers fixed-rate and adjustable-rate mortgage options.

4. USDA Loans:

- Designed for rural and suburban homebuyers.

- Offers financing with no down payment requirement and below-market interest rates.

- Provided by the U.S. Department of Agriculture.

5. Jumbo Loans:

- For higher-priced properties that exceed conventional loan limits.

- Provides options for buying luxury homes or refinancing.

- Offers both fixed-rate and adjustable-rate mortgages.

6. Refinance Loans:

- Allows homeowners to replace their current mortgage with a new one.

- Options include rate-and-term refinancing or cash-out refinancing.

- Helps save money, lower monthly payments, or access home equity.

Please note that eligibility requirements and terms may vary for each loan program. Feel free to contact us for further information or clarification on any of these loan programs.