Conventional Loans: By far, conventional loans are the most common type of new purchase loans that we handle. If you have great credit AND at least some money down, most likely a “Conventional Conforming” loan is for you. With a more substantial down payment you can avoid monthly mortgage insurance and ensure the lowest monthly payment possible. This loan is available at both fixed and adjustable rates, depending on your plans and strategy for the property that you are purchasing.
FHA Loans: Depending on your credit score and how much money you have available as a down payment, a government loan may be the best loan for you. FHA loans require a very small down payment and we have access to lenders that will loan money with a credit score as low as 580. With an FHA loan, a relative can give you a gift for the down payment as well as help you income qualify if necessary. This is a perfect loan for individuals who are working to improve their credit or have little or no money down.
VA Loans: Are you active military or a Veteran? If so, by using your VA rider, you can qualify for a no money down loan on your primary residence AND you will NEVER have to pay mortgage insurance! We respect and honor all military personnel, past and present. Your loans are top priority for us.
RD Loans: Does the idea of living in the country or on the outskirts of town appeal to you? In an effort to encourage rural development, the US Department of Agriculture developed a loan product which allows you to purchase a new home with no money down. This loan is insured by the US Department of Agriculture and offers thousands of Americans the dream of homeownership with fewer restrictions than a Conventional loan.
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