Government Loans

 An FHA loan is a mortgage loan insured by the Federal Housing Administration. FHA loans allow for enhanced credit features and lower down payment, making it an affordable option. Down payment may be in the form of a gift. 

Qualified individuals are eligible for 100% financing thanks to the Loan Guaranty program from the Department of Veteran’s Affairs. We are so proud to service our military homebuyers. 

Insured by USDA, this 100% financing program is available in areas designated 'rural'. Rural housing has enhanced credit features with no out of pocket funds required. This product has income and geographical restrictions. 

Many states offer an affordable housing program. HOME has been an advocate of these programs and participates in providing this financing. State Housing Programs are typically geared towards first time homebuyers (defined as applicants who have not owned a home in the past three years). Certain target markets have more flexible parameters.