Home Loan Programs

FHA Loan

If you are a first time buyer, an FHA loan could be a good option to consider when purchasing a home. A Federal Housing Administration (FHA) loan provides an exceptional government-insured loan with flexible loan options. Let us guide you through taking advantage of the FHA’s Loan Program benefits:

Lower Down Payment (3.5% minimum)
Lower Minimum Cash to Close
Minimum FICO 580
Debt-to-Income Thresholds are Higher
Upfront Mortgage Insurance Premiums (1.75%) Financed
Down payment assistance programs available

Conventional Loan

Another great loan option for first time buyers is Conventional Loans:

Low 3-5% down payment options available
620 Minimum Credit Score
Allows for Higher Loan Amounts than FHA Loans
Down payment assistance programs available

VA Loan

VA Loans are also a great option for first time buyers that are veterans, reservists, active-duty, and/or surviving spouses of veterans based on military entitlement. Below we have highlighted the advantages for first time buyers utilizing this product:

No down payment necessary
If you do provide a down payment, down payment assistance programs are available
No cash reserves
No application fee
No monthly mortgage insurance premiums
VA funding fee may be financed
The seller is required to pay certain closing costs, therefore decreasing the closing cost of the borrower
May pay off some debt with a refinancing loan program
1-4 unit primary residences with restrictions

*Disclaimer: Additional requirements may apply; programs are subject to change without notice.

How Can We help?

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What Our Customers Say

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Siamak R.

Natalie and I would like to say thank you to Joe and his entire team for doing such a great job helping us to get approved for the mortgage. Like before it was a pleasure to have you guys besides

Christina Lynn B.

Tippi was wonderful. Always there to communicate what was going on with the refinance and kept me informed along the way. Even if there were no updates, she would check in to let me know we were still waiting on

Genoveva G.

I had the pleasure working with Ana Alvarez She was very Supportive , Knowledgeable , Responsible, Incredible talent Loan Originator .

Zachary Robert S.

Excellent communication and thorough explanation on what each process was and how it worked. Friendly and pleasant to work with all the way through.

Nicole Brittany F.

Carson went out of his way to communicate & make sure we were updated every step of the way

Caleigh K.

Sam was super hands on and communicative answering questions outside of business hours

Donna C P.

I wasn't expecting such a smooth experience buying a house.

Paul H.

Clear communication that was timely. My phone calls were answered promptly with a willingness to help.

Giancarlo A.

The trust i feel when dealing with Tony and associates really makes the process as stress free as possible. This is my second time getting a mortgage through Tony and would highly recommend

Brittany Key C.

everything went well

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