Loan Programs

A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.

If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.

Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.

Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).

Sometimes bigger is better when it comes to your dream home. For those who require higher loan amounts, our Jumbo Loan can help you enjoy low payment options.

Secure your mortgage before even finding a property! We’ll underwrite your loan and lock in your rate before you purchase your home, giving you and potential sellers the security you need to compete with cash buyers. Ask us about our on-time closing guarantee!

Millions of people across America are in need of affordable housing AND flexible financing. MH Advantage® homes now offer improved interior and exterior features, which translates to a beautiful home with a competitive mortgage.

With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.

With as little as 10% down, we can help you build a new home or renovate/improve an existing one. Our Construction-Permanent program streamlines your experience with only one closing for both the construction and permanent phases of your loan.