Let Us Help You Find Your Home

Buying a home is a big decision, and most people need a mortgage to make it happen. With many loan options available, we’ve outlined the most common ones to help you get started—reach out if you have questions or are ready to begin!

Conventional Loans

Conventional loans are not government-backed, usually offer fixed terms and rates, and are ideal for borrowers with STRONG CREDIT and LARGER down payments. Many follow Fannie Mae and Freddie Mac guidelines to ensure broad availability.

The Short Answer: Conventional loans are a great option for borrowers with strong credit and a larger down payment.

FHA Loans

FHA loans are government-insured, require a low down payment (as little as 3.5%), and ACCEPT credit scores as low as 500, making them ideal for buyers with limited savings or lower credit. Borrowers must pay mortgage insurance, which enables flexible terms and lower rates.

The Short Answer: FHA loans are ideal for buyers with poor credit or a small downpayment but come with the added cost of mortgage insurance.

VA Loans

VA loans are an excellent option for military members and veterans, offering up to $1,209,750 with no down payment. They are available to active-duty service members, veterans, Reserves, and National Guard, with additional benefits for disabled veterans.

The Short Answer: If you are a veteran or are currently serving in the military, VA loans give you a great advantage for securing financing for a home. In 2025 – with NO MONEY DOWN on properties up to $1,209,750 among one of its biggest benefits, you cannot go wrong with this loan if you qualify.

Other types of loans:

USDA Loans

Jumbo Loans

Reverse Mortgage Loans

Have more questions? Call Fred 714-583-6188

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