Purchase a home
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The U.S. Department of Veteran Affairs helps Veteran, service members and eligible surviving spouses to become homeowners. To be eligible, you must have satisfactory credit, sufficient income to meet the expected obligations, and a valid Certificate of Eligibility.
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Larger down payments offers a lower risk to lender, so you can get some of the most favorable loan terms with loan at or below 80% loan-to-value on conventional loans.
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Traditionally, the only loan programs under 5% down payment were FHA and VA loans. Today, with down payment assistance programs, we have loans available with 0% down, 1% down with NO mortgage insurance, up to 5% for more traditional conventional financing. A conforming loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA) and Department of Veteran Affairs (VA). Conforming loans meet guidelines such as loan limits that are set by government-sponsored enterprises (GSE), Fannie Mae or Freddie Mac
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When a loan amount reaches a certain limit, Jumbo loans offer financing that a conforming loan cannot, based on the maximum conforming loan amount, which varies by county. Historically, Jumbo financing was limited to only those with large down payments and near perfect credit. Today, we offer loan programs with a maximum loan amount to $2 million dollars for borrowers that have credit scores as low as 500, with as little as 5% down. In addition to recent housing events, such as bankruptcy, foreclosures, and short-sales.