Loan Programs

Federal Housing Admin (FHA)

  • 3.5% Minimum Down Payment
  • Monthly mortgage insurance required
  • No income limitations
  • Primary residences only
  • Does not need to be a first-time buyer
  • Buyers can own other residential property
  • FHA County Loan Limits up to: $331.760

Rural Development (RD)

  • 100% Financing
  • Closing costs can be financed up to the appraised value
  • Primary residences only
  • Income Limits for:
    • Family of 1-4: $86,850
    • Family of 508: $114,650
  • No maximum purchase price limit
  • Does not need to be a first-time buyer
  • Buyers cannot own any other residential property

Conventional Loan

  • As low as 3% Minimum Down Payment.
  • First Time Homebuyer.
  • Gifts allowed for down payments and closing costs.
  • Private Mortgage Insurance can be removed once the principal balance is below 78% of the appraised value of the home.
  • Buyers can own other residential property.

VA Loan

  • 100% Financing
  • No income limitations
  • Expanding qualifying ratios and flexible credit guidelines
  • Maximum loan amount of $484.350
  • VA Funding Fee of 2.3% or up to 3.6% based on military status (financeable)
  • Does not need to be a first time buyer

Building dreams one home at a time.

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