A Conventional Mortgage is not insured or guaranteed by the federal government and requires a down payment as low as 3.00% to 5.00%.  Conventional loans can have either an adjustable or fixed rate and can be used to purchase or refinance.  

An FHA Mortgage is a loan that is guaranteed by the Federal Government.  FHA mortgages have more flexible credit and income requirements than a conventional mortgage, and require a minimum down payment of 3.5%.

Also known as a Rural Development Loan, USDA loans provide up to 100% financing, which means no down payment requirement, and have lower monthly mortgage premiums than FHA and Conventional Mortgages.  A USDA loan can be used to purchase a home in a rural area designated by the US Department of Agriculture.  

VA loans are provided to eligible veterans, have no down payment requirement, and no monthly mortgage insurance premium.  These mortgages offer competitive interest rates and can be used to purchase or refinance.  

Renovation mortgages offer a solution to help borrowers obtain financing that covers both the purchase and provides access to funds for making improvements to the property.  These loans can be either a Conventional Mortgage which requires a down payment of 5.00%, or FHA which requires a down payment of only 3.5%.  

@Home Mortgage offers specialty loan programs for those homebuyers that don’t fall into the standard mortgage box due to a variety of reasons including unique income circumstances or unique collateral.  

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