Loan Programs

Which Loan Program is Right for You?
100% Purchase Financing: USDA Residential, No Down Payment required.
Down Payment Assistancewith no mortgage insurance.
100% Purchase Financing: with no down payment and also the option to finance the closing costs.
Jumbo Loans: Do you need a mortgage over $417,000? With a jumbo loan, you’ll get our low rates for your larger loan amount.
Conventional Loans: including Alt-A programs that accommodate alternative document levels (including no income verification).
Harp 2: (Home Affordable Refinance Program) Refinance underwater mortgages into current market mortgage rates.
FHA: Low Down Payment A mortgage loan program where the interest rate does not change for the life of the loan with 3.5% down payment.
FHA 203(k) Rehab: with HUD’s 203(k) Great options for borrowers with no housing history and scores as low as 580!
FHA Streamline Refinance Program: FHA has permitted streamline refinances on insured mortgages since the early 1980s. “Streamline refinance” allows you to refinance into todays low rates. Underwater, negative equity homeowners can also qualify.
VA Mortgages: Another great option for 100% financing & no money down for veterans.
Adjustable Rate Mortgage (ARM): Mortgage loan program in which the interest rate is adjusted periodically based on an index. Also called a variable rate mortgage.
Impacted Credit: Many options for borrowers with scores as low as 550!
Reverse Mortgages: Great options for borrowers over 60 years of age.
No PMI Home Mortgage Loans: Get A Home Mortgage with no private mortgage insurance (PMI)
Law enforcement, teachers, firefighters and EMT Financing: Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD’s Good Neighbor Next Door Sales Program
City of Elk Grove Home Buyer Assistance Program This Program provides silent second, deferred-payment loans to first-time home buyers meeting certain income and eligibility requirements.
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