Loan Programs

Federal Housing Admin (FHA)

  • 3.5% Minimum Down Payment.
  • Monthly mortgage insurance required.
  • No income limitations.
  • Primary residences only.
  • Does not need to be a first-time buyer.
  • Buyers can own other residential property.
  • FHA County Loan Limits up to: $331,760.

Rural Development (RD)

  • 100% Financing.
  • Closing costs can be financed up to the appraised value.
  • Primary residences only.
  • Income Limits for:
    • Family of 1-4: $86,850
    • Family of 5-8: $114,650
  • No maximum purchase price limit.
  • Does not need to be a first-time buyer.
  • Buyers cannot own any other residential property.

Conventional Loan

  • As low as 3% Minimum Down Payment.
  • First Time Homebuyer.
  • Gifts allowed for down payments and closing costs.
  • Private Mortgage Insurance can be removed once the principal balance is below 78% of the appraised value of the home.
  • Buyers can own other residential property.

VA Loan

  • 100% Financing.
  • No income limitations.
  • Expanding qualifying ratios and flexible credit guidelines.
  • Maximum loan amount of $484,350.
  • VA Funding Fee of 2.3% or up to 3.6% based on military status (financeable).
  • Does not need to be a first time buyer.

Your dream. Our goal.

Refinance a Home