Loans

FHA Loan Programs USDA Loan Programs VA Loan Programs Conventional Loan Programs Construction Loans NON – Conforming Conventional
Commercial Loans Programs HELOCS Stand Alone Seconds Reverse Mortgage Loans

We handle FHA Loans, FHA 203K Renovation loans, VA Loans, VA Renovation Loans, USDA Loans, Conventional Loans, Conventional Renovation Loans, First Time Homebuyer Loans, Down Payment Assistance grants and Loans, Chenoa Loans, Hometown Hero Grant program loans, SHIP program grants and loans, County wide down payment assistance programs and so much more. Federally approved grants and down payment assistance programs.


FHA Loan Programs Purchase or Refinance Down to a 500-credit score 500 – 579 credit score = 10% down NO credit score programs available 580 credit score and higher = 3.5% down FHA Renovation loans available 203k Streamlines and FULL Seller can give up to 6% in credits towards your closing costs and pre-paid items. No income restriction Great for first time home buyers Property types: Site built home, modular homes and manufactured homes New construction available Grant programs Down payment assistance when available

USDA Loan Programs Purchase 100% financing 580 credit score minimum NO credit score programs available Minor renovation loans available Income restrictions do apply Great for first time home buyers Seller can pay up to 6% towards closing costs and prepaid items Also, can roll in closing costs and prepaid items “up to” the appraised value Property types: Site built home and modular homes New construction programs available Grant programs Down payment assistance when available *Can’t own any other real estate with a home located on it. only refinance if already have a USDA loan. Refinance USDA to USDA.

VA Loan Programs Purchase or refinance Limited to veterans, wives of deceased veterans or reservists with time in service 100% financing 500 credit score NO credit score programs available Renovation loans available up to 35K Great for all borrower types with veteran eligibility No income restrictions Seller can offer up to 4% towards closing costs and prepaid items Property types: Site built home, modular homes and manufactured homes New Construction loans available Grant program eligibility Down payment assistance when available.

CONVENTIONAL LOAN PROGRAMS Purchase or refinance 620 minimum credit score NO credit score programs available 1% DOWN for first time home buyers – income restrictions apply 3% DOWN for first time home buyers – income restrictions apply 5% DOWN no income restrictions Great for all borrower types Property types: Site built home, modular homes and manufactured homes Renovation loans available Grant program eligibility Down payment assistance when available New Construction loans available

Construction Loans All Types Land & Home Purchases Home Alone on Your own property VA 100% FHA 96.5% USDA 100% Conventional 95%

NON – Conforming Conventional Loans Programs No income verifications Stated income Self-Employment programs Scores as low as 500 Bank statement programs 1 day out of Bankruptcy 1 day out of Foreclosure Bad credit OK

COMMERCIAL LOANS SBA LOANS MINIMUM LOAN SIZE 250k NO MAXIMUMS

HELOCS Minimum loan amount 25,000

Stand Alone Seconds Minimum loan amount 25,000

Reverse Mortgage Loans HECM insured by FHA

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