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Loan Programs
Discover home loans that fit your situation.
Which Kind of Loan Fits You?
You probably know that toy bricks come in different shapes and sizes. The same concept can be applied to home loans. These different types of home loans can suit various situations and are designed for individuals depending on background, finances and preference. When you reach out, (see our process) we can help you decide which loan works for your situation.
Kinds of Loan Programs:
FHA Loans
Purpose: This is a government-backed loan that can make it easier to get a home loan
Pros: Typically has less stringent requirements than conventional loans
VA Loans
Purpose: Available for military service members and/or spouses provided you meet the eligibility guidelines
Pros: No money down for the down payment and no mortgage insurance required is a big advantage to using this loan program.
USDA Loans
Purpose: Available within qualified rural areas (see map to see if you qualify) for eligible residents
Pros: Pros: USDA Loans are great for a lower or no up-front down payment
Conventional Loans
Purpose: Your traditional home loan for well-qualified borrowers with various down payment options
Pros: Access to higher loan amounts, competitive interest rates and the ability to avoid mortgage insurance at certain loan-to-value ratios
Jumbo Loans
Purpose: Loan amounts over $417,000 for highly qualified borrowers
Pros: Great for financing high-end properties
Reverse Mortgages
Purpose: For borrowers 62 years and older who want to access the equity in their home and no longer have a monthly mortgage payment
Pros: Receive a lump sum payment or have access to a credit line
