Loan Programs

Get the Financing You Deserve

As a Mortgage Lender, I work carefully and diligently with in order to provide my clients with the financing solutions they deserve. To me, there's nothing more important than client satisfaction, which is why my promise is to find the best mortgage for each client based on their financial situation and property preferences.
Read more about how I can make mortgages fast and easy for you.

Conventional

Conventional home loans are not guaranteed by a government organization, such as the Federal Housing Administration or the Department of Veterans Affairs. The qualifying criteria for a government-backed loan and a conventional loan aren't much different, but conventional loans are likely to be harder to get and more stringent on qualifications. 

FHA

An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance in case the borrower defaults on his or her loan obligations. Available to all buyers, FHA loan programs are designed to help creditworthy, low to moderate income families who do not meet requirements for conventional loans. 

Rural Development (USDA)

The Mortgage 1 Rural Housing program is dedicated to the preservation of rural communities. We partner with Rural Development, a division of the U.S. Department of Agriculture, to help home buyers throughout the state realize the American dream of home ownership. This program, administered through the U.S. Department of Agriculture, features 102% financing for qualified moderate-income families looking to purchase single-family homes. For borrowers with little or no cash, it's ideal since no down payment and no funds are needed for closing.

VA

VA guaranteed loans are made by Mortgage 1, a VA Automatic Lender, and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.