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FHA Loans & VA Home Loans

3% Down Payment

Low Fixed Rate

100% Gift OK

Whether you need to refinance out of a skyrocketing adjustable rate mortgage (ARM) payment, you'd like a cash-out refinance of up to 95 percent, or you're looking to buy a new home an FHA may be the answer you need. New technology makes getting your FHA home loan approved and processed quicker and easier than ever before!
How it works
FHA loans are loans that are insured by the Federal Housing Administration, a government agency. FHA loans are now quicker and easier than ever before. The FHA home loan is a great mortgage choice for those who may have trouble qualifying for other programs. Lower credit scores and lower incomes may qualify! Click here to complete an EZApp to see if you qualify and if an FHA loan will meet your needs.

You may qualify even if you have a lower credit score or lower household income.

Cash-out refinance up to 95 percent.

Only three percent down payment required when buying a home.

Your entire down payment can be a gift from a relative.

Seller concessions allowed up to six percent.

No Prepayment Penalty

Is an FHA Loan for you?
· Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
· Do you want to get cash out of your home?
· Do you want a fast approval?
· Do you have a lower credit score or lower household income?
· Are you purchasing a home and need a low down payment?
FHA has loan limits for every county. Click here to complete an EZApp to see if you qualify!

Benefits of a VA Home Loan
There are many advantages of choosing a VA loan over a conventional one. Individuals who qualify can enjoy the many benefits that a VA loan has to offer that simply aren't available with a conventional loan. Here are just a few of the many benefits of choosing a VA Home Loan:
· No down payment required on loans up to $417,000
· No mortgage insurance
· Easier qualification standards
· Credit and income standards are not as strict
· No prepayment penalties

DO YOU KNOW IF YOU QUALIFY FOR A VA LOAN?
Almost every veteran is eligible for Veterans Affairs benefits, such as VA home loans. These loans are generally the best choice for veterans who are planning to purchase or refinance an existing home mortgage.Click here to complete an EZApp to see if you qualify.

YOUR VA BENEFITS
The home loan guaranty program originally formed in 1944 to lessen the harsh aftermath associated with wars. With millions of men and women serving the Armed forces at the time, the objective was to lessen the economic and sociological problems of post war readjustments. Unlike conventional loans today, the guaranty protects lenders and therefore requires no down payment.
Notably, VA programs are intended to benefit men and women because of their service to the country-- they are not meant to be instruments of attaining general economic or social objectives. These benefits can also apply to Veteran spouses. In 1999, the Veterans Millennium Health Care and Benefits Act authorized VA to restore the home loan eligibility of surviving spouses who lost such eligibility as a result of remarriage after a death or divorce. Click here to complete an EZApp to see if you qualify.