Direct Guidelines to FHA or Conventional or VA

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Popular Home Loan Options

FHA Home Mortgage Loans feature low down payment requirements, allow lower income ratio versus the loan value and generous underwriting guidelines. These loans are a favorite for first time home buyers and refinancing.

Conventional Home Loans follow established standards but have fewer qualifying guidelines than FHA and VA mortgages. These loans have simplified documentation for loan approvals that can speed things along. Most people use conventional loans due to they are generally faster to process with simpler documentation to get a loan approval and while they require higher down payments than others, the home equity can build up faster.

VA Loans require buyers to meet certain eligibility guidelines, like military service documentation. Those who qualify for these loans have the benefit of more flexible credit requirements since the loan is guaranteed. Refinancing a VA Loan is only available for veterans and active member of the U.S. Military. VA has the IRRRL refinance which can be done with No Closing Costs.

USDA Loans offer special loans developed for rural family needs. Low and moderate income families can qualify for mortgages even without a down payment pending they meet certain requirements in order for these loans to be guaranteed by the federal government.

Next Steps – Select Your Loan Type

  • FHA

    FHA Home Mortgage Loans feature low down payment requirements, allow lower income ratio versus the loan value and generous underwriting guidelines.  These loans are a favorite for first time home buyers and refinancing.

  • Conventional

    Conventional Home Loans follow established standards but have fewer qualifying guidelines than FHA and VA mortgages.  These loans have simplified documentation for loan approvals that can speed things along.  Choose from a variety of Fixed Conforming Mortgages or Adjustable Rate Mortgages.

  • VA

    VA Loan Refinance or VA Streamline Refinance are available to borrowers who have U.S. military service.  Refinancing options offer flexible credit requirements and has no closing costs following IRRRL – Interest Rate Reduction Refinancing Loan guidelines.