FHA/ VA Government Loans

Discover Home Ownership at a LOWER Cost

If you meet the qualifications, you may be eligible for a loan that requires little or no down payment. FHA (Federal Housing Administration) and VA (Veteran’s Administration) loans are government-backed loan programs that offer fewer restrictions than conventional mortgages.

For first-time homebuyers and active or veteran military personnel, an FHA or VA loan can be a great mortgage solution with benefits that include:

  • Low down payments (FHA offers as low as 3.5% of the purchase price, VA 100% financing)
  • Options for seller to pay the closing costs
  • Cash gift allowed for down payment
  • FHA financing for flip properties under 90 days owned
  • Cash Out Refinances to 96.5% of your homes value

For more information and related articles: FHA Loans


Fannie Mae Homepath Loans:

HomePath Mortgage allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance. Expanded seller contributions to closing costs are allowed.

Benefits to You, the Borrower:

  • Low down payment
  • Down payment (at least 3 percent) can be funded by the borrower’s own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer.
  • No lender-requested appraisal.
  • No mortgage insurance
  • Expanded seller contributions for closing costs allowed.
  • Available for primary residences, second homes and up to 10 investment properties.

For more information and related articles: Homepath Financing

Conventional & Jumbo Loans

An interest rate to meet your needs.

With a fixed rate loan, you never worry about your interest rate going up and raising your mortgage payment. That means you’re able to budget better.

With a Fixed Rate loan you can choose from 15 and 30 year terms and enjoy a set interest rate for the life of your loan.

Adjustable Rate Mortgages offer shorter fixed periods of time on a 30yr amortized loan. Investors or experienced home buyers can choose from 5,7 or 10yr fixed time periods to best time the market.


FHA 203k Home Construction & Remodel Loan

Full 203k which can encompass major construction and repairs up to your county’s specified loan limits and take the place of Construction and Home Remodeling needs. Allowed Improvements include:

  • New Plumbing
  • Room Expansions
  • Roofs
  • and much, much more

If your project is not so big and you just need some basic improvements up to $35,000 around the house or updating you may want to check out the streamlined version. This will allow:

  • Energy Efficient Improvements
  • Kitchen Remodels
  • Carpet, flooring, windows
  • Just to name a few


First Time Homebuyer Programs