It All Begins With You: Discovering The Ideal Loan Tailored To Meet Your Specific Needs.
VA Loan
VA Loans are government backed mortgages that offer highly competitive interest rates, with little to no down payment required.
- No down/low down payment required
- No Private Mortgage Insurance necessary
- Generally better interest rates
- No payment penalty
Conventional Loan
Conventional mortgages are the most common mortgage type, typically favored by borrowers with excellent credit who can make a minimum down payment of 3%.
- You don’t need Private Mortgage Insurance if you have 20% equity
- Low down payments may be available
- Flexible repayment terms
FHA Loan
A Federal Housing Administration (FHA) loan is a mortgage insured by the government and requires a lower down payment and minimum credit score compared to other conventional loans.
- Minimum down payment of 3.5%
- Lenient Credit Guidelines
- Higher debt-to-income ratios compared to other loan types
USDA Loan
A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by the United States Department of Agriculture (USDA)
- $0 down payment
- Competitive interest rates
- Low monthly mortgage insurance
- Flexible credit requirements