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Loan Programs

There are many different loan programs to chose from. That’s why it is important to work with a mortgage loan officer who understand what you need and what will work for you.

FHA Loan

An FHA home loan is a type of mortgage that is backed by the Federal Housing Administration (FHA) to provide protection against default. It is available for both single-family and multi-family homes, and enables banks to lend money without being subjected to significant risks or capital requirements. The FHA does not issue loans or establish interest rates; it simply ensures that lenders are protected against defaults. FHA loans are particularly beneficial for individuals who may not be eligible for a traditional mortgage, such as first-time homebuyers. They offer low minimum down payments, reasonable credit expectations, and flexible income requirements. This means that more people can secure a loan and achieve their dream of owning a home.

VA Loan

The VA Loan is a home loan program that offers a federally guaranteed mortgage to veterans, allowing them to purchase a home without making a down payment. This initiative was designed specifically to provide housing assistance to veterans and their families.


USDA loans are mortgages that offer low-interest rates and require no down payment, intended for low-income Americans who may not meet the credit requirements for conventional mortgages. To qualify for a USDA loan, you must use it to purchase a home in a designated area, which includes a range of rural and suburban locations.

Conventional Loan

To put it shortly, the government doesn’t guarantee a conventional mortgage. It’s accessible and secured through private sector channels. Conventional mortgages make up a significant portion of home purchases and refinances and can be obtained through various mortgage lenders, such as banks, credit unions, and online lenders.

We offer many more programs including Investor and Bank Statement loans. If you don’t see what you’re looking for here contact me to find the perfect loan for you!