Types of Loans Available

Your Financing Options

FHA

  • As little as 3.5% down for a 580 FICO score

  • Borrowers with no credit OK

  • Seller allowed to pay up to 6%  in closing cost

  • More lenient underwriting guidelines 

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VA

  • As little as no money down for a 580+ FICO score 

  • Seller allowed to pay up to 4% of closing cost 

  • Borrower must be a Veteran or currently serving 

  • Honorable discharge is required if no longer serving 

USDA

  • As much as 102% financing with a 580+ FICO score 

  • No maximum loan amount (based on income)

  • Property must be located in a rural development area

  • All closing cost may be financed into loan amount, up to appraised value 

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Conventional

  • As much as 97% financing with a 620+ FICO score

  • Seller is allowed to pay up to 3% of closing cost

  • Homestyle Renovation program available 

  • No mortgage insurance at 81% LTV