Government Loans

VA

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). Qualified lenders may issue the loan. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

Requirements

    • Primary residence only
    • Only available to eligible veterans

    Benefits

    • No Down Payment required
    • No mortgage insurance
    • No cap on loan limits
    • Guaranteed by the department of veteran affairs
    GET A VA LOAN QUOTE

    FHA

    An FHA Loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders to reduce their risk of loss if a borrower defaults on their mortgage payments.

    The FHA program was created in response to the rash of foreclosures and defaults that happened in the 1930s, to provide mortgage lenders with adequate insurance and to help stimulate the housing market by making loans accessible and affordable.

    Requirements

    • 3.5% Down payment required
    • Primary residences only

    Benefits

    • Lower credit scores than conventional loans

    • Popular with first time home buyers

    • Government backed loan

    • 1-4 unit properties eligible

    GET AN FHA LOAN QUOTE

    USDA

    The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. A USDA loan has several benefits, including flexible credit underwriting requirements and no down payment required.

    Requirements

    • Only available in rural areas

    • Income eligibility requirements

    • Primary residence only

    Benefits

    • No down payment required

    • Low Interest Rates

    • Guaranteed by USDA

    GET A USDA LOAN QUOTE

    We’re here to make the home loan process easier with tools and the knowledge that will help guide you along the way, starting with our Loan Qualifier.

    We will help you get clarity about different loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

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    HOW OUR HOME LOAN
    PROCESS WORKS

    Contact us for your
    complimentary home loan analysis

    Receive options based
    on your unique criteria
    and scenario

    Compare mortgage
    interest rates and terms

    Choose the offer that
    best fits your needs

    Local and state programs
    available for down
    payment assistance

    Funds available for
    down payment and/or
    closing costs

    Up to 100% financing

    DOWN PAYMENT
    ASSISTANCE FINANCING

    Are you having trouble saving for a down payment? Tired of paying rent but don’t think you can afford to purchase a home? You could be eligible for local and state down payment assistance programs that may cover part or all of your down payment and any additional closing costs. Talk to a loan officer today for a complimentary home loan evaluation to determine if you are eligible.

    Get pre-approved

    Estimate your loan amount

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