Understand Your Loan Options

As a premier home loan solutions provider, we strive to make the mortgage process for first-time homebuyers as straightforward as possible while meeting your homeownership needs and expectations. With a variety of affordable financing options and competitive interest rates, our experienced mortgage professionals will help deliver the borrowing solution that's right for you.

 

Types of Mortgages:

Conventional Mortgage

A conventional mortgage is a loan that is not backed by a government agency like the Federal Housing Administration. It is available as a fixed or adjustable-rate and often requires borrowers to make a down payment of between 5 and 20 percent of a home's purchase price.

Federal Housing Administration (FHA) Loan

A FHA loan is ideal for first-time homebuyers or low to moderate income borrowers who are unable to make a large down payment. FHA loans require as little as 3.5% of the home's purchase price for the down payment and are available as a fixed or adjustable-rate.

United States Department of Agriculture (USDA) Loan

A USDA loan is insured by the government and provides homebuyers with opportunities not available through other loan types. USDA loans offer many benefits such as 100% financing with no down payment but certain requirements must be met such as income limitations and property location.

Construction Loan

A construction loan offers financing for the cost of constructing a home at a fixed or adjustable-rate. Typically, a construction loan provides the funds in installments in advance of the work being completed so you can build your dream home.

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