Government Programs

VA Loans

Are you an active military member, a veteran or a veteran’s surviving spouse? Do you want your loan application processed quickly, without any red tape? Are you interested in buying a home with no down payment? Do you want refinance up to 100% of your home value? If you have answered “yes” to any of the above questions, then a Veterans Affairs (VA) loan is the best option for you. Such loans can be availed, even with an unimpressive credit score and rating. Unlike other market loans, a VA loan is available as both fixed rate and ARM mortgage and does not include any monthly insurance (PMI).

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FHA Loans

Federal Housing Administration (FHA) loans are government-assisted mortgage plans that provide an alternative to conventional banking finance. They were originally introduced to help first time home buyers with an imperfect credit score. Since then, the FHA loan has acquired a wider audience - which even includes homeowners who are looking for refinancing.

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USDA Loans

USDA loan program, also known as Rural Development loan, is a type of government-insured home loan that allows the borrower to purchase a new home with no down payment. The loan offers 100% refinancing opportunities to qualified buyers, the closing costs of which can be borne by either the seller or the borrower. USDA loans also carry the lowest interest rates, and are generally fixed rate loans.

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