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Our  Mortgage Planners are ready to talk with you about the best loan options for your financial goals. We are loan specialists and understand how mortgage programs work. Below, we outline some of the many programs we offer.

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USDA Loans

The USDA loan’s purpose is to provide affordable homeownership opportunities to low-to-moderate income households to stimulate economic growth in rural and suburban communities throughout the United States.


Some of the primary benefits of USDA loans include:

  • $0 down payment
  • Competitive interest rates
  • Low monthly mortgage insurance
  • Flexible credit requirements


USDA loans open the door to homeownership for many first-time homebuyers who otherwise could not afford a traditional 5-20% down payment.


Conventional Loans

Conventional loans are a great option for people with established job and credit history, and may offer the lowest cost and rates compared to other loan programs.


This type of loan has several features that make it a great choice for most people:

  • Low interest rates
  • Fast loan processing
  • Diverse down payment options, starting as low as 3% of the home’s sale price
  • Various term lengths on a fixed-rate mortgage, ranging from 10 to 30 years
  • Reduced private mortgage insurance (PMI)

Because conventional loans offer so much flexibility, there are still some decisions you have to make even after you choose this loan type. You’ll also have to consider how much you can put down, how long you want your loan term to be, and how much house you can afford.


VA Loans

A VA loan is perhaps the most powerful and flexible lending option on the market today. Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans. 


Far and away, the most significant benefit of a VA loan is the borrower's ability to purchase with no money down. Apart from the USDA's Rural Development home loan and Fannie Mae's Home Path, it's all but impossible to find a lending option today that provides borrowers with 100 percent financing.


These loans also come with no private mortgage insurance (PMI), a monthly expense that conventional borrowers are required to pay unless they put down at least 20 percent of the loan amount.


FHA Loans

FHA (Federal Housing Administration) loans allow people to buy a home with a down payment as small as 3.5%.


FHA loans are open to most anyone. There are no income limits. However, there are limits on how much you can borrow. In general, you're limited to median home prices in your area. To find the limits in your region, visit HUD's Website. To qualify for an FHA loan, you'll need to have reasonable debt-to-income ratios. You don't need perfect credit, but you will need to have a credit score of at least 620. 


  • 3.5% down payment required on purchase
  • Easier to use gifts for down payment and closing costs
  • No prepayment penalty


Jumbo Loans

Jumbo loans are perfect for those who are looking to purchase a home that will be more than $500,000. This special loan program is not for everyone, but it is a great fit for those looking to purchase a luxury home or a home of higher value.

ARM Loans

Adjustable Rate Mortgages (ARM) have monthly payments that are based on a 30-year repayment schedule in which the interest rate remains fixed for the first three years. After that time, the interest rate (monthly payments) may change year after year. This is called the "adjustment period." 

The new rate is based upon changes in a financial index and is calculated by adding a specified amount to the index. The amount that is added to the index is called the margin. 

There is also a lifetime cap that limits how much the rate can go up or down during the life of the loan. These loans can work out well for people who stay in their house for the short term.

Physician Loans

Did you know there are loan programs designed specifically with doctors in mind? Ashley's team is excited to offer 100% financing with physician loans, which are special home loan options that cater to the unique needs of doctors. If you are a MD, DO, DDS, DVMM, or DMD purchasing a primary residence, you might qualify.

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Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Ashley's team offers a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Our mortgage professionals are dedicated to finding the right loan with great rates, terms, and costs to meet your specific needs. 


Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing.

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