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Conventional Fixed-Rate Mortgages

 

The lowest fixed interest rates for eligible buyers.

Rates and more info

• Best fixed rates

• No Surprise in rate.

• Perfect chose for permanent home owners

• Have an established credit history

• Can put at least 5% down on a home

 

FHA Mortgages

 

Government-backed mortgage with more forgiving guidelines

Rates and more info

• Credit score as low as 580 and up

• Flexible qualification requirements

• Low closing costs

• 3.5% down payment

• Don't have an established credit history or have experienced credit challenges in the past

 

VA Loans

 

Government-backed loans for active or retired military veterans.

Rates and more info

• Very little or no down payment

• No mortgage insurance 

• Flexible qualification guidelines

• Fixed-rate and ARM options

• Are an active military member or veteran

• Are the surviving spouse of a service member who died as a result of military service

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USDA Loans

 

Mortgages backed the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program

Rates and more info

• $0 Cash down

• NO mortgage insurance

• 50% of the area median income very low, while low sits between 50%-80%

• borrowers to have at least a 620 score

• Guarantee Fee rolled into the loan amount (102 percent financing)

 

Jumbo Mortgages

 

The lowest rates for higher-priced properties.

Rates and more info

• Increased purchase limits

• Competitive rates

• Fixed-rate or ARM options

• Are buying a home that exceeds conforming loan limits ($417,000 in most areas)

• Have an established credit history

• Can put at least 20% down on a home

 

Investment Property Loans

 

Financing for properties that generate income.

• Financing for residential rental property or 1-4 units

• A variety of loan options to choose from

• First time landlord or multiple property owner

• Are buying a second home

• Decide if you want to invest short- or long-term