Every buyer’s situation is different. Our team walks you through every option so you can make a confident, informed decision. Here’s what’s available to you.
FHA Loan
Best for: First-time buyers or buyers with lower credit scores. Down payment: As low as 3.5% with a credit score of 580+. What you need to know: FHA loans are one of the most flexible loan programs available. They allow lower credit scores and higher debt-to-income ratios. You will pay mortgage insurance for the life of the loan unless you refinance. Not sure if FHA is right for you? Let’s talk.
Conventional Loan
Best for: Buyers with 620+ credit and stable income. Down payment: As low as 3%. What you need to know: Conventional loans offer competitive rates for well-qualified borrowers. If you put less than 20% down, you’ll pay PMI — but once you hit 20% equity, it can be removed. Not sure if Conventional is right for you? Let’s talk.
VA Loan
Best for: Veterans, active military, and eligible surviving spouses. Down payment: 0% — no down payment required. What you need to know: No down payment, no PMI, and competitive rates. If you’ve served, you’ve earned this benefit. Let’s make sure you’re using it. Not sure if VA is right for you? Let’s talk.
USDA Loan
Best for: Buyers purchasing in eligible rural or suburban areas. Down payment: 0% — no down payment required. What you need to know: USDA loans help moderate-income buyers purchase in qualifying areas. Income limits apply. Not sure if USDA is right for you? Let’s talk.
Refinance
Best for: Homeowners looking to lower their rate, reduce their term, or access equity. What you need to know: Refinancing replaces your current mortgage with a new one. You might refinance to get a lower rate, shorten your term, or pull cash out. Timing matters — let’s run the numbers together.
Ready to Find Your Loan?
You don’t have to figure this out alone. Our team will review your full financial picture and match you with the right loan program for your goals. No pressure — just answers. Contact us today. Greg Funds Fast. NMLS# 2505671 | Edge Home Finance | Equal Housing Opportunity