Federally insured loans for borrowers who meet specific income and credit requirements. There are maximum loan amounts for each county. Credit scores are not used but the overall credit profile is reviewed. FHA loans can be used for purchase or refinance transactions on owner occupied properties.


This is the standard HUD insured loan used for the purchase or refinance of an owner occupied property.  A 3.5% down payment is required for purchase, and the funds can come from the borrower, a gifts from a relative, or even from a participating municipality.  This type of loan will allow for a co-signer, such as a parent or other relative.  FHA loans will have loan limits based on the county where the property is located.

FHA 203k Loans

 The FHA 203k program is designed for a homeowner to purchase a home and have available funds for renovation to the property. The work must be done by approved contractors in a fixed amount of time. Homeowners are not permitted to do any work on their own. Please contact us for acceptable repairs and renovation budget limits.


Loans insured by the Veteran’s Administration are available for qualified Veterans only.  These loans allow for 100% financing on the purchase of a primary residence without the need for PMI.  There will be loan limits based on the county where the property is located.  For qualifying, the veteran will need a copy of the DD-214 and Certificate of Eligibility.