Traditional Loan Programs

State Bond Loan

We're proud to help first-time homebuyers secure down-payment assistance and attractive interest rates by qualifying for state grants and funding. State Bond Loans are especially helpful for buyers with fewer financial assets.

• Low to no down payment options upfront
• Down payment assistance available
• Homebuyer education course may be required (no cost)

FHA & VA Loans

Insured by the Federal Housing Administration, FHA loans can help buyers who might have difficulty meeting down payment and credit requirements for other loans. Veterans Administration (VA) loans are available to individuals who have served our country in the military. Many VA loans require no down payment and offer competitive rates.

• Low to no down payment options upfront
• Competitive interest rates
• Must meet certain guidelines

USDA Rural Housing

This unique mortgage program offers qualified buyers more lenient guidelines and zero down payment options. Backed by the U.S. Department of Agriculture, these loans are for properties located in specific census tracts.

• Zero down payment options available
• Must meet income requirements
• Must meet property location requirements

Buy While You Sell

This United Purpose Mortgage program lets you to put the equity from your current home toward the down payment on your next home, allowing you to buy before you sell.

• Provides down payment funds for next home purchase
• Allows you to buy a new home, even if you haven't sold your old one

Physician Plus

Designed exclusively for medical doctors, this loan program is a great option for individuals with good credit but limited assets and significant student debt. The program offers options to waive down payment requirements.

• Physicians, dentists, podiatrists, veterinarians and ophthalmologists are eligible
• Great options for buyers with less cash upfront
• Funds used for closing costs can come from financial gifts from family members