VA Home Loans

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.

Additionally there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personal that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.

Bill Meloy
NMLS#
1025176
Mortgage Loan Consultant

Buy Your Dream Home With Little Money Down With an FHA Loan!


About FHA Home Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

The FHA Loan Process
Here’s how our home loan process works:

✅ Complete our simple FHA Loan Qualifier
✅ Receive options based on your unique criteria and scenario
✅ Compare mortgage interest rates and terms
✅ Choose the offer that best fits your needs


Get Your FHA Loan Quote Now!


Why an FHA Loan?



Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan a down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or are unable to receive approval for private mortgage insurance may consider an FHA loan.




✅ Fixed-Rate Mortgage
✅ Adjustable-Rates Mortgage (ARM)
✅ 3.5% Down Payments
✅ Jumbo & Super Jumbo Loans
✅ Terms of 15, 20, and 30 years are available for the fixed-rate products


Bill Meloy
NMLS#
1025176
Mortgage Loan Consultant

Buy Your Dream Home With Little Money Down With an FHA Loan!


About FHA Home Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

The FHA Loan Process
Here’s how our home loan process works:

✅ Complete our simple FHA Loan Qualifier
✅ Receive options based on your unique criteria and scenario
✅ Compare mortgage interest rates and terms
✅ Choose the offer that best fits your needs


Get Your FHA Loan Quote Now!


Why an FHA Loan?



Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan a down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or are unable to receive approval for private mortgage insurance may consider an FHA loan.




✅ Fixed-Rate Mortgage
✅ Adjustable-Rates Mortgage (ARM)
✅ 3.5% Down Payments
✅ Jumbo & Super Jumbo Loans
✅ Terms of 15, 20, and 30 years are available for the fixed-rate products


Bill Meloy
NMLS#
1025176
Mortgage Loan Consultant

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