FHA - Federal Housing Administration

FHA, also known as the Federal Housing Administration, operates under the control of the Department of Housing and Urban Development (HUD) and has the primary responsibility for administering the government home loan insurance program. This program allows buyers who might otherwise not qualify for a home loan to obtain one because the risk is removed from the lender by FHA.

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VA - Department of Veteran Affairs

VA, also known as the Department of Veteran Affairs, offers to qualifying current and ex-members of the Armed Forces (to include the Reserves and National Guard) guaranteed mortgages up to 100% of the value of the property they are purchasing. 

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100% Financing

This program helps consumers, who have no down payment, buy a house and stop paying rent.

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Fixed Rate Mortgages

These mortgages, with a fixed percentage rate, and a fixed loan amount usually carry higher rates than other types of mortgages, but they offer the security and certainty of knowing that your monthly payment and interest rate will not change.

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Adjustable Rate Mortgage (ARM)

ARMs allow you to fix the interest rate for the length of time that you plan to hold the loan without paying extra for interest rate protection you don't need.

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No Doc

Also referred to as no income, no asset loan, these mortgages are offered for consumers with good credit who for whatever reason cannot show their income.  This program is perfect for self-employed borrowers or those that receive commission.

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