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Loan Options

Loan Options

We work with you in finding the perfect home loan that fits your needs.

There are several different types of home loans that are available. Of course, we'll be helping you through the process of choosing the best kind of home loan for your needs.

Government-Backed Mortgages

USDA loan

The U.S. Department of Agriculture (USDA) home loans program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage. If you live in a rural area and can't qualify for a conventional loan, you may qualify for either a USDA guaranteed loan or a USDA direct loan.

FHA loan

Make homeownership come true with an FHA loan. Featuring flexible credit restrictions and down payment options as low as 3.5%, an FHA loan is a popular type of loan for first-time homebuyers.

VA loan

Enjoy exclusive military benefits with a VA loan. If you are a veteran or an active-duty service member, a VA loan offers less restrictive credit guidelines and low-down-payment options for you and your family.

Fixed-Rate Mortgages


A 30-year fixed-rate mortgage will offer a consistent monthly payment over the 30-year term, providing you with peace of mind and a consistent budget. This type of home loan, if a person qualifies, is perfect for people planning to stay in their home for a minimum of 5-10 years.


A 15-year fixed-rate mortgage will allow you to own your home faster and pay less interest, and the trade-off is that you'll be paying a higher monthly mortgage payment.

This type of loan, if a person qualifies, is perfect for people who are planning to stay in their home for a minimum of 20-25 years.

You now have some ideas about home loan options...

Now Let’s Get You Approved...Call Us At 270-753-7407

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