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FHA Loan
FHA stands for Federal Housing Administration. You don’t have to be a first-time homebuyer to get an FHA loan, but it’s a great option if you are. FHA loans make it easier to qualify, often require a smaller down payment, and can mean lower monthly payments. That’s why many people choose FHA when buying a home for the first time.
USDA Rural Housing Loans
USDA loans are backed by the U.S. Department of Agriculture and are designed for people buying homes in rural or suburban areas. Similar to VA loans, they can offer 100% financing if you meet certain requirements.
These loans were once known mainly as “farmers loans,” but now many buyers outside big cities may qualify. Eligibility depends on things like where the home is located, your income, credit history, and how many dependents you have.
VA Loan
VA loans are backed by the U.S. Department of Veterans Affairs and are for veterans, active military, and surviving spouses. One big benefit is that you don’t need a down payment. These loans can cover 100% of the home’s cost if you qualify.
They’re usually approved quickly and are a good option even if your credit isn’t perfect. Plus, you never have to pay monthly PMI (private mortgage insurance) with a VA loan.
A Construction-to-Perm (C/P)
A Construction-to-Perm (C/P) loan is a two-in-one loan that covers both building your home and financing it long-term. Instead of getting one loan for construction and another for the finished home, this loan rolls everything into one. That means you only have one closing—and one set of closing costs—saving you time and money.
Reverse Mortgage
To qualify for a reverse mortgage, you must be at least 62 years old and own your home. One of the biggest benefits is that it lets you stop making monthly mortgage payments and use your home’s equity to get tax-free money.
If you're interested in learning more—including the risks that come with reverse mortgages—reach out to us for details and guidance.
203k Rehab Loan
The FHA 203k loan is great if you’re buying a home that needs repairs or updates. It covers things like fixing a roof, broken A/C, plumbing, or even upgrades like new floors, paint, or appliances. Instead of taking out a separate loan, you can roll the cost of these repairs into your mortgage.
You can also use an FHA 203k loan to update your current home—like remodeling a kitchen, bathroom, or adding more space. It’s a helpful way to finance both your home and the improvements it needs.
DSCR Loan (Debt Service Coverage Ratio Loan)
A DSCR loan is a great choice for real estate investors. It looks at how much money the property makes from rent, not your personal income. If the rent can cover the loan payment, you might qualify—even if you don’t have regular job income.
This loan works well for investors with several properties, self-employed people, or anyone wanting to grow their investment portfolio fast.