Buy Your First HomeBuy Your Next Home And Move UpBuy A Vacation HomeBuy An Investment PropertyBuild A New Home
What You Should KnowLoan Programs
Online Payments
Home Equity LoansFixed Rate MortgagesLines of CreditAdjustable Rate MortgagesConsolidating DebtFirst-Time HomebuyersFHA / VA MortgagesState Bond Programs
All CalculatorsPrequalification CalculatorMortgage Payment Calculator
Mortgage BasicsReal Estate Market InformationHomeExpert Market ReportNews & EventsTRID UpdatesWeb Card
Company ProfileMortgage ConsultantsBerkshire Hathaway HomeServices Fox & Roach RealtorsTestimonialsOur Mission & PrinciplesTrident Land Transfer CompanyTrident Insurance AgencyManagement Team
FHA / VA Mortgages

Government-insured loans usually offer low down payments and below-market interest rates, as well as easier credit and income guidelines than conventional loans. That may make them a good option for first-time homebuyers, for borrowers with low to moderate incomes, or those with limited cash or minor credit problems.

  • Federal Housing Administration (FHA) loans: FHA loans allow qualified borrowers to purchase a home with a down payment of as little as 3.5% of the purchase price. There are several types of FHA loans. In addition to fixed loans and adjustable-rate mortgages (ARMs), FHA loans also include graduated payment mortgages and growing equity mortgages for borrows who expect their monthly earnings to increase over time. In addition, the Energy Efficient Mortgage (EEM) program allows borrowers to include the cost of energy efficiency improvements into their FHA loan.

  • Veterans Administration (VA) loans: VA loans offer flexible credit guidelines and often do not require a down payment. They are available to military service veterans, reservists and active-duty service members.

We can tell you more about government-sponsored loans and refinancing options.


What Our Customers Say

Wonderful team I was able to work with at Trident

~ Dalyvette G.