Loan Types

Key in the Lock
Home Owners

FHA

  • As low as 3.5% down payment

  • Communities First: zero down payment & closing cost assistance program

  • Low interest rates

  • Lower minimum credit score requirement

  • 203k/Rehab Loan: for those who finance for improvements on their house

Conventional

  • Fannie Mae & Freddie Mac Conventional Loans

  • As low as 3% down payment

  • Home Ready: low interest rates, lower down payment, and lower monthly mortgage insurance

  • Healthcare & Physician loan programs available

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VA

  • Zero down payment

  • Low interest rates

  • No monthly mortgage insurance

  • Ability to pay off current debt with purchase

USDA

  • Tailored towards rural areas

  • Zero down payment

  • Low mortgage insurance