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OUR LOAN PRODUCTS

FIRST-TIME HOMEBUYERS

We absolutely love helping first-time homebuyers! We offer "no money down" loans, "low money down" loans, and down payment assistance. Our commitment to you, is to pair you with the best loan product for your needs and goals.

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VA (Veterans 100% Financing)

A VA (Veterans Administration) guaranteed home loan is the preferred loan program for active, non-active, Reserve, National Guard, and retired military of the armed forces. There is no down payment needed and no private monthly mortgage insurance required. This is a great option for qualified borrowers looking to buy a home. VA mortgage loans can also be used for building a home or refinancing an existing mortgage.


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FHA (Federal Housing Authority)

FHA loans are designed to help more potential homeowners. Loan guidelines are more relaxed, allowing less than perfect credit, low down payments, higher debt-to-income ratios, co-borrowers, higher seller credits, etc. All while still offering you a competitive fixed rate mortgage without a pre-payment penalty. FHA loans can be used over and over again and is one of the most common loan programs on the market today.

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USDA (Rural Housing 100% Financing)

USDA stands for United States Department of Agriculture. USDA mortgages provide low-cost insured home mortgage loans with no down payment requirement. A USDA mortgage might be right for you if you are interested in buying a rural property (think small town) as your primary home with a low out of pocket investment.

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CONVENTIONAL (Fannie Mae & Freddie Mac)

From FNMA HomePath® to FHLMC Home One®, we offer conventional financing for first-time homebuyers and repeat buyers alike. With as low as 3% down (for first-time homebuyers) or 5% down (for anyone that has owned a home in the last three years), you could qualify for a conventional fixed rate loan. We work with a variety of investors who underwrite to Fannie Mae or Freddie Mac automated guidelines. We also have a multitude of private mortgage companies if PMI is required (less than 20% down) and can shop for the best rates.

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RENOVATION LOANS

Looking to buy a home and finance the costs of the repairs/improvements, all in one loan? We can help! We offer a few different renovation loan programs that could allow you to finance your home improvements, at the same time you're buying a home. This can also be used for a home you already own.

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CONSTRUCTION

A construction loan is a short-term loan that provides funds to cover the cost of building a home. Some builders will fund the construction phase of your new home, while others will require you to do so. We can help in either scenario. If you're considering building a new home, let's talk.

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REVERSE (Home Equity Conversion Mortgage)

Reverse mortgages do not have to be paid back for as long as you live in your home. A portion of your equity can be paid to you in one lump sum, as a regular monthly income, or at the times and in the amounts you prefer. The loan and interest are repaid only when you sell your home, permanently move away, or die. Homeowners must be 62 years of age or older to qualify.

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MANUFACTURED HOMES

Manufactured homes must meet additional guidelines, and not all lenders can lend on them. We have options with Conventional, VA and FHA loans. We require that the manufactured home is in its original location, is secured properly to a permanent foundation and passes as structural engineer inspection. We can help with purchase and refinance loans.

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DOWN PAYMENT ASSISTANCE

There are a variety of Down Payment Assistance programs available to potential home buyers. We can explain the pros and cons of utilizing down payment assistance. If it's right for you, we can help secure funds for you that could help cover your down payment and closing costs.

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LET’S GET STARTED!

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