Mortgage loans aren't one size fits all. And from our experience, homebuyers aren't either — but that's just how we like it! 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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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
Can be 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
100% FHA Financing Available
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
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
Your Choice!
Down Payment Assistance
You meet credit score requirements.
Conventional, USDA, and VA Loans: 640 or higher
FHA Loans: 650 or higher
You meet debt to income ratios for your loan type
You meet income and purchase price limits.
There are two basic types of rate structures for home loans and each has its own potential pros and cons:
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.
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.