Couple Watering Plants

Government Loan Programs

We offer access to government loan programs including FHA, VA, and Freddie Mac Home Possible® loans. These loans give buyers lower down payment options and lower credit score and income requirements, making home ownership possible for more people. We’re here to help you decide if one of these government loan programs is right for you, and then walk you through the application process.

fha loan

A great loan with several term options for people wanting a smaller down payment than a conventional loan. With an FHA loan, you can put as little as 3.5% down and qualify with less than perfect credit. Jumbo loans are also available. FHA loans are insured by HUD so your lender can offer you a better deal.

va loan

If you are a Veteran, a VA Loan may be a great home loan option for you! These loans are guaranteed by the US Department of Veterans Affairs and are designed to help Veterans and their families become homeowners. Loan options are available that don’t require a down payment and take into consideration a lower credit score. There are also several term options and Jumbo loans are available.

freddie mac home possible®

Another great low down payment option for low to moderate income homebuyers. Depending on your credit score, you may be eligible for a lower PMI payment with this loan, and you can cancel it once your loan balance drops below 80% of the home’s appraised value. You can also refinance an existing loan with a Freddie Mac Home Possible® mortgage.