Are you a veteran or on active duty military, then thank you for your service! - VA Loans

With no down payment required, eligible veterans, active duty personnel, nation guard and surviving spouses can purchase or refinance a home. In addition, private mortgage insurance is not required. With a Certificate of Eligibility from the Department of Veterans Affairs you can purchase or refinance a home with limited closing costs and flexible credit criteria.

Features:

  • Zero down payment
  • Interest Rate Reduction Loans for 'streamlined' or limited credit qualifying rate reductions
  • Cashout Refinances up to 90% of the appraised value of the home
  • Energy Efficient Improvement Mortgages to finance energy improvements for refinance or purchase transactions.

Buying your first home? - FHA Advantage Loans

FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal. With low down payments, low closing costs, and easy credit qualifying, an FHA loan may be right for you.

Features:

  • Down payments as low as 3.5% of the purchase price, and it can come as a gift from a family member. Also available on 1-4 unit properties.
  • Finance the cost of adding energy efficient features to your new or existing home
  • Refinance your existing FHA loan up to 97.5% of it's appraised value. 
  • Ask about our quick and easy FHA Streamline Mortgage for refinances.

In a rural area and need 100% financing? - USDA Advantage Loans

USDA loans are used to help low income borrowers purchase homes in rural areas. No down payment is required.

Rural Development may be able to help you. USDA (Rural Development) has partnered with local lenders to help us extend 100% financing opportunities to individuals and families. 

Features:

  • No down payment required - 100% financing available
  • Low monthly mortgage insurance - you may qualify for a larger loan
  • Flexible credit and qualifying guidelines
  • No maximum purchase price limit
  • Closing costs can come from any source, including gifts
  • Repairs and improvement can be included in the loan
  • Competitive, fixed 30-year rates