We make sure a qualified program fits your needs.  There are plenty of options available. Our staff is well educated in FHA, SONYMA, VA, Conventional, and USDA.

The are differences between each program, which can save you on down payment, interest rate, mortgage insurance, and closing costs. 

Here are some helpful tips to decide your direction:

1. seller concessions- this allows you to finance some or all of your closing costs and pre paids.  FHA will allow  up to 6% of the purchase price.
2. 0% down payment- If you are considering buying a home in a rural area, USDA may be your choice.  This allows financed closing costs, pre-paids, and improvements. Must be in an eligible area, single family residence only, and no inground pool.  Manufactured and Mobile Homes are ineligible.
3. Closing cost assistance- SONYMA offer a closing cost assistance program.  Income limitations apply.
4. Veteran- VA offers a 0% down payment without monthly mortgage insurance

Every program and lender has requirements.  Acceptable credit, income, and adequate assets will insure loan commitment.

To find out more about these programs and others Ask an Expert.