Loan Programs

Which Mortgage is Right for You?

Mortgage loans aren't one size fits all. We're mortgage brokers, which means we can compare  home loan options from dozens of mortgage lenders to find one for you. 

 Here are just a few of the home loan programs we can consider together:

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Loan Program Options

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Conventional Mortgage Loan

Often great for people with solid credit scores! This is the most common mortgage loan and can help borrowers avoid unnecessary fees.

  • Down payment as low as 3% (mortgage Insurance premium payments will likely be required for down payments of less than 20%)
  • Credit score as low as 620
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Federal Housing Administration (FHA) Mortgage Loan

Can be a helpful option for people in need of more flexible credit score requirements. This mortgage loan option is insured by the Federal Housing Administration and designed to make homeownership more attainable for more people.

  • Down payment as low as 3.5%
  • Credit score as low as 580
  • Mortgage insurance premium payments required
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VA Mortgage Loan

Qualifying Veterans and their spouses have earned some helpful homeownership benefits. To all of you, we thank you for your service.

  • No down payment required
  • Credit score as low as 580
  • No mortgage insurance
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USDA Mortgage Loan

For lovers of rural living and small suburban communities. The USDA Mortgage Loan is backed by the United States Department of Agriculture. People looking to settle down in an approved area might qualify for some home-grown benefits.

  • No down payment required
  • No credit score requirements
  • No mortgage insurance
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Jumbo Mortgage Loan

Need a bigger home loan? This could be the one for you. Jumbo mortgage loans allow qualifying homebuyers and refinancers to borrow more than allowed by the loan limits set on other loan types.

  • Credit score as low as 660
  • Might require higher down payment than other mortgage loans

Mortgage Rate Options

There are two basic types of rate structures for home loans and each has its own potential pros and cons:

Fixed Rate Mortgage:

The interest rate you get when you close on your mortgage loan is the one you'll pay each month. With this option, you know exactly what you're in for in terms of your principal and interest payment.

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Adjustable-Rate Mortgage (ARM):

Your interest rate could go up and down over the life of your loan. You'll probably pay a little lower of an interest rate at the beginning of your mortgage loan, but you could potentially end up paying more overall.

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Have questions? We have answers.

And if we don’t, we’ll do our best to find them.

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