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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

Rich, I want to thank you again for all of your assistance with my first time home buying. It was a pleasure working with you and I really appreciate all of your guidance and timely communication. You are really great at what you do. In future also will ask for your help and guidance if need. I look forward to working with you in the future. And will definitely refer your service to friends and family. Many Thanks & Kind Regards, Darshan Soni & Family

~ Darshan Soni & Family