We can help you with almost any national loan program available. These are some of the most popular.

FHA/VA

FHA loans can help financially challenged families buy homes. Many up-front costs, like the 3.5% down payment, can be covered by gifts from family members. VA loans have 100% financing – no down payment required – for U.S. veterans and some surviving spouses.

Conventional

Backed by the government, conventional loans are available in 30-year and 15-year terms. Single-family to four-family homes can qualify, whether purchasing or refinancing. Although the home price must meet set limits, more expensive homes may qualify for Jumbo loans.

USDA

Rural-area homes may qualify for USDA loans. These loans provide 100% financing, including most or all closing costs. No down payment or monthly mortgage insurance are required, so payments may be lower than an FHA. Not limited to first-time buyers.

Jumbo

Like Conventional loans, Jumbo loans are backed by the government. Homes with prices above the limits for Conventional loans may qualify for Jumbo loans. Interest rates for Jumbo loans are typically a little higher than Conventional.

Federal Tax Credit: Extended

Many home buyers – not just first-timers – can now get up to $8,000 credit if they buy by April 30, 2010. The qualifying income limits have also increased so more people are eligible. As long as you stay in the home for at least 3 years, you don’t have to pay it back.

Reverse Mortgage

Provides tax-free income for people who are at least age 62 and own at least 65% equity in their home. You’ll never make a payment. Use the money for a grandchild’s education, dream vacation, long-term care plan or whatever you choose.