Loan Programs That I Specialize in

Conventional Loans: As little as 3% down is available to first-time home buyers. These loans are backed by Fannie Mae & Freddie Mac and are great for those who fit inside the box for income, down payment, and credit. These loans used to require 20% down in the old days, and in current times, it may be beneficial for buyers to put 3-15% down depending on their financial situation.

FHA Loans: As little as 3.5% down is allowed, and these loans are available to first-time buyers and those who have purchased a home previously. The FHA loan allows for lower credit scores and non-occupant co-borrowers (cosigners), often with lower interest rates than the conventional loan. This is an awesome entry-level loan program.

VA Loans: My most favorite loan program available. These loans are available to our Vets who have served. A down payment is not required on these loans, and the interest rates are often lower than those of conventional loans, depending on the banking institution you get your loan through.

USDA Loans: These loans do not require a down payment. A person that would benefit from a USDA Loan would be an individual or family that is under the income limit of the loan program, wants to live in a small rural town, and, no, you do not have to buy a farm to use this program. This program is meant for regular homes within the city limits of the allowable towns.