FHA Loan Programs
An FHA loan allows you to put a very low down payment on your home. The maximum loan limit is based on the average cost of living in your area. The FHA program for homebuyers is one of the most popular due to the ease of qualifying and low down payments.
FHA-EEM Loan Programs
An FHA Energy Efficient Mortgage recognizes the energy savings of a home. It allows the buyer (or homeowner who is refinancing) to qualify for a larger mortgage to finance the construction or installation of improvements that will increase the home’s energy efficiency.
VA Loan Programs
The purpose of the VA-guaranteed loan program is to provide loans to veterans to purchase or refinance a home. Veterans can obtain up to 100% financing on purchases. There are many benefits to the VA Loan Program such as no down payment, no cash reserves, resales or new construction, manufactured homes or lots and more.
Conventional Loan Programs
Conventional home loans have remained the popular loan program. The 30 year fixed rate mortgage is still the major standard in the industry, and adjustable rate mortgages, jumbo loans, and other mortgage types are common. Conventional financing can be used to fund a home purchase or mortgage refinance.
Jumbo Loan Programs
Offers 30 and 15 year fixed rate mortgage with full document. This product is for our elite borrower’s, therefore, offers higher loan amounts and very competitive pricing. Some FHA loans are available as a jumbo loan and depending on where you live, you could put as little as 3.5% down with your jumbo loan, or get a cash-out refinance for up to 80%.