As a mortgage broker we shop the best rate for our clients, offering Conventional, FHA, VA, and USDA loans
Conventional loans are mortgage loans that are not guaranteed or insured by a government entity. These loans typically require a higher credit score and a down payment, usually ranging from 3% to 20% of the home's purchase price. Conventional loans offer flexibility in terms of loan amounts and property types.
VA (Veterans Affairs) loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans are guaranteed by the U.S. Department of Veterans Affairs and offer favorable terms, including no down payment requirement and no private mortgage insurance (PMI). VA loans help veterans and military personnel achieve homeownership.
FHA (Federal Housing Administration) loans are insured by the government through the Department of Housing and Urban Development (HUD). These loans are popular among first-time homebuyers and individuals with lower credit scores. FHA loans typically require a lower down payment, as low as 3.5% of the purchase price, and have more lenient qualification criteria.
USDA (U.S. Department of Agriculture) loans are designed for individuals purchasing homes in eligible rural and suburban areas. These loans are backed by the USDA and offer low to no down payment options. USDA loans often have income restrictions and focus on promoting homeownership in rural communities.
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EQUAL HOUSING LENDER | NMLS# 2352732
