VA/FHA/USDA Government Loans


VA Loans

If you've served our country, you've earned our respect, and your Veteran's Administration loan benefit.  We're proud to be a licensed VA lender and to be able to offer VA loans as part of our portfolio.  Their unique benefits for the homeowner include:

- 0% down payment options

- No monthly mortgage insurance, regardless of down payment percentage

- VA loan interest rates are less credit score driven than conventional products... so if your credit isn't perfect, that's OK 

- The VA charges an upfront funding fee, but it can be financed into the loan, or possibly even waived based on your eligibility


FHA Loans

Federal Housing Administration mortgages are a great path to home-ownership, as the FHA insures the loan, allowing more flexible loan options than a conventional mortgage.  These include:

- Down payment options as low as 3.5% down

- Easier credit qualification

- Strong interest rates

The downside to an FHA loan? The FHA charges an Upfront Mortgage Insurance Premium, as well as monthly mortgage insurance premiums.  So, if you have a significant down payment/strong credit score, you may feel better with your conventional loan options.


USDA Guaranteed Rural Housing Loans

If you live in a rural area, you may qualify for a Guaranteed Rural Housing loan issued by the USDA to help borrowers buying in rural areas with low to moderate incomes obtain financing that they normally wouldn't qualify for.  USDA loans:

- Allow for 0% money down.  No down payment required

- Easy credit qualification