Government Loans

Mortgages

Government Loans


FHA Loan Program

With lower credit and requirements than traditional mortgage loans, an FHA loan can be an easy and affordable option for purchasing or refinancing your home.

What are the benefits?

  • Take advantage of down payments as low as 3.5%
  • Use a monetary gift to help with closing costs
  • Up to 96.5% financing
  • Less restrictive credit requirements
  • Closing costs and other fees may be included in the loan amount
  • Variety of options for rate and term
  • Can be used for refinancing

Is an FHA Loan right for you?

  • First-time homebuyers and previous homeowners
  • If you’re self-employed, you could qualify
  • You loan amount is within the county limits for FHA loans

VA Loan Program

For veterans who served our country, a VA loan is a great option.

  • Enjoy 100% financing
  • No cash reserves required after closing
  • Some VA loans are assumable

USDA Program

The USDA Program is designed to help people with qualifying income levels purchase homes in designated areas.

What are the benefits?

  • Low down payment
  • Low income requirements
  • Fixed interest rate
  • Up to 100% financing
  • Closing costs and other fees may be included in the loan amount
  • Funds can be used to purchase a single family home

Is a USDA Loan right for you?

  • First-time homebuyers and previous homeowners are eligible
  • Unable to obtain adequate housing through conventional financing