Government Loans

FHA Mortgage

Not sure if your current finances will let you qualify for a mortgage? A FHA mortgage could be your solution. Run by the Federal Housing Administration, FHA home loans were created to make it easier for home owners to qualify for a loan – whether to buy a home or refinance your mortgage.  Lean more


FHA 203K Mortgage

Planning to buy a fixer-upper, or make improvements to your existing home? The FHA 203k loan may be your perfect home improvement loan. This specialized program allows you to borrow the purchase price of the home minus your down payment, plus money for renovations, all with the convenience of a single loan and closing. Learn about the pros and cons of FHA 203k loans and see if they’re right for you. Lean more


FHA Streamline Refinance

The FHA Streamline Refinance program is the simplest and easiest way to refinance an FHA loan. Unlike a traditional refinance an FHA Streamline Refinance allows a borrower to refinance without having to verify their income and assets. An appraisal might not be required either, depending on how much you have paid on your original loan balance. One of the most advantageous aspects of this program is that it allows for an unlimited loan-to-value ratio (how much you owe vs. what your home is worth). Therefore, if you are severely underwater you still may be able to take advantage of lower current market rates by refinancing with an FHA streamline. Lean more


VA Mortgage 

The Veterans Affairs (or VA) loan is a specific loan program to help veterans, active-duty service members and their families purchase a home. Authorized by the US Department of Veterans’ Affairs, this loan option allows military families to qualify for a home loan with fewer restrictions and little-to-no money down.  Lean more


United States Department of Agriculture (USDA)

A USDA loan (also called a Rural Development Loan) is a government insured home loan that allows you purchase a home with no money down. USDA Home Loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan. USDA offers some the lowest rates of any loan, and you will always have a fixed interest rate. Lean more