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Loan Programs

Low & No Down Payment

Options built for buying with little cash to close, including zero-down government loans, 3% conventional products, HUD $100 down, medical professional financing, and down payment assistance.

VA Loans

Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!

  • $0 down payment required
  • No mortgage insurance
  • Competitive interest rates
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FHA Loans

Government-backed loans perfect for first-time buyers with flexible credit requirements.

  • Down payments as low as 3.5%
  • Credit scores from 580+
  • Gift funds allowed
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USDA Loans

Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available.

  • $0 down payment required
  • For rural/suburban areas
  • Lower mortgage insurance
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Fannie Mae HomeReady

Low-down-payment conventional option with flexible income guidelines for creditworthy buyers.

  • As low as 3% down
  • Income-limit friendly
  • Cancellable PMI
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Freddie Mac Home Possible

Affordable conventional financing with low down payments and flexible credit for eligible buyers.

  • As low as 3% down
  • First-time & repeat buyers
  • Reduced mortgage insurance
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HUD $100 Down

Buy certain HUD-owned homes as an owner-occupant with as little as $100 down, subject to property and financing approval.

  • As little as $100 down
  • HUD-owned (REO) homes
  • Owner-occupant purchasers
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Medical Professional Mortgage

Specialized financing for doctors, dentists, veterinarians, and other medical professionals — including residents and fellows.

  • Up to 100% financing
  • No monthly mortgage insurance
  • Loan amounts up to $2.5 million
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Down Payment Assistance

Indiana and nationwide programs that can cover down payment and closing costs, including Luminate PATH, Hoosier Homes, Chenoa, IHCDA, VLIP, and Essex NHF.

  • Grants and second mortgages
  • Indiana & nationwide options
  • Pairs with FHA, VA & conventional
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Browse all loan programs or call Ryan and Steve to compare options.

Not sure which program fits?

Tell Ryan and Steve your scenario. Terms vary by qualification and property, and every loan is subject to credit and property approval.