Loan Programs

Conventional Home Loans

It the most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA-IRRRL's Refinance Loan
This is a Refinance Loan Program offered by the Department of Veteran Affairs, for Veterans that purchased their home using a VA loan. This is the definition of this program: 
  • refinance to lower the interest rate
  • refinance to lower the monthly payment
  • shortern the term of their loan
  • Convert from an ARM loan to a Fix rate loan.

VA Loans for Purchase
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

What kind of loan program is best for you?
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Oscar Barker.

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