Expanded Mortgage Options: 
Up to 100% financing*

Veterans Affairs (VA) Loans – Low-and-no-down payment options

VA loans provide financing for qualified veterans, eligible reservists, active duty personnel, and National Guard members for primary residence. They are available in a variety of rates and terms. Closing costs are allowed to come from a gift.

  • Low to no down payment options
  • No monthly mortgage insurance required
  • A one-time VA funding fee can be financed into the loan amount
  • No reserve requirements on single family properties
  • The seller can pay closing costs up to 4% of the purchase price 
Federal Housing Administration (FHA) Loan – Low down payment options

FHA loans provide financing for borrowers at all income levels. They are available in a variety of rate and term options. All or a portion of closing costs may be allowed to come from a gift. Borrowers typically have to pay upfront and monthly FHA mortgage insurance premiums.

  • Low down payment options
  • Available for all income levels
  • No reserve requirements on one to two family properties
  • The seller can pay up to 6% of the purchase price
  • Allows a co applicant to help you qualify, even if they don’t live in the home
Rural Housing Development (RD) Loan - Loans up to 100 % financing

RD loans are provided by the U.S. Department of Agriculture (USDA) Rural Development. The program assists low-to-moderate income buyers in rural areas with no down payment requirement.  

  • Loans up to 100 % financing, plus RD guaranteed fee
  • Loans may include funds for closing costs, guaranteed fee, up to 100% appraised value
  • The seller can pay up to 6% of the purchase price
  • Property must be located in an eligible community
  • An annual fee paid to the USDA’s Rural Development program that’s collected as part of the monthly mortgage payment.

 Contact our local mortgage team 

They are happy to help you find the right home loan for your needs. We’ll help you compare options, overall costs, rates, monthly payments, terms, and conditions.

*Loan offer is subject to credit approval