Search Home Loans! Search by down payment, employment term, loan type; new construction, rehab, hard-money, VA, FHA.

Loan Type

Hard Money
Down Pay

20+% down
Credit Score

580 -
Property

House
Hard Money Loan
Company: Stratton Equities

Lender info:
Brian Ha

Lic: SL0000
Ph: 9735665653
Loan Info:
Employment: 2 yr employed
Contingency: WDO
Condition: Move-In
Link to Apply for Loan
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Rate and Notes: Hard money loan, Fico Score 400+, rates starting at 7.24%. 1 - 100 units.
Loan Type

Conventional
Down Pay

5% down
Credit Score

700+
Property

House
Conventional Loan
Company: TC Federal Bank

Lender info:
Caitlin Yancey Moore

Lic: 1563244
Ph: 8505101169
Loan Info:
Employment: 1 yr employed
Contingency: Appraisal
Condition: Move-In
Link to Apply for Loan
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Rate and Notes: We offer up to 95% Conventional financing for conforming loan limits. 97% options are available for first time homebuyers as well.
Loan Type

Conventional
Down Pay

3% down
Credit Score

620+
Property

House
Conventional Loan
Company: Fairway Independent Mortgage Corp

Lender info:
michael forslund

Lic: 2289
Ph: 8509804400
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Average
Loan Type

Conventional
Down Pay

3% down
Credit Score

620+
Property

House
Conventional Loan
Company: Success Mortgage Partners

Lender info:
Ryan Miller

Lic: 363649
Ph: 7726787711
Loan Info:
Employment: 1 yr employed
Contingency: Appraisal
Condition: Fair
Link to Apply for Loan
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Rate and Notes: As little as 3% down
Loan Type

Conventional
Down Pay

3% down
Credit Score

620+
Property

House
Conventional Loan
Company: Guaranteed Rate

Lender info:
Josh Keller

Lic: 1570183
Ph: 8508161838
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Move-In
Link to Apply for Loan
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Rate and Notes: First time homebuyer requirement. Allowable seller concessions up to 3% sales price.
Loan Type

Investment
Down Pay

5% down
Credit Score

580 -
Property

House
Investment Loan
Company: Stratton Equities

Lender info:
Brian Ha

Lic: SL0000
Ph: 9735665653
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Poor
Link to Apply for Loan
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Rate and Notes: Fix and Flip Loan. 100% of rebab covered. Rates starting at 7.74%.
Loan Type

D.P. Assistance
Down Pay

0%-down
Credit Score

620+
Property

House
D.P. Assistance Loan
Company: University Lending Group, LLC

Lender info:
Brian Vincent

Lic: 335022
Ph: 850-766-8178
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Average
Link to Apply for Loan
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Rate and Notes: This program will offer down payment assistance up to $7,500.00
Loan Type

FHA
Down Pay

3% down
Credit Score

620+
Property

House
FHA Loan
Company: Farm Credit

Lender info:
Ben Fant

Lic: NMLS1574721
Ph: 8505574140
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Move-In
Link to Apply for Loan
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Rate and Notes: FHA first time home buyer loan
Loan Type

FHA
Down Pay

3.5% down
Credit Score

600+
Property

House
FHA Loan
Company: Fairway Independent Mortgage Corp

Lender info:
michael forslund

Lic: 2289
Ph: 8509804400
Loan Info:
Employment: 2 yr employed
Contingency: FHA-Appraisal
Condition: Average
Loan Type

FHA
Down Pay

3.5% down
Credit Score

580+
Property

House
FHA Loan
Company: Guaranteed Rate Mortgage

Lender info:
Pamela Keller, Vice President/Manager

Lic: FL - LO55708, GA - 65779 NMLS 2611
Ph: 850 544 3434
Loan Info:
Employment: 2 yr employed
Contingency: Appraisal
Condition: Move-In
Link to Apply for Loan
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Rate and Notes: FHA loans are very flexible for buyers whose credit and funds saved are low. A matrix of down payment requirements are tied to credit score but we can now go as low as a 580 score. One of the biggest advantages for our company is that we have no ratio overlay for FHA. This means we can lend more which can make the difference between a mediocre home vs. the home you want and need. The ratio is evaluated with other factors to make sure we aren't putting buyers in harms way, but this is certainly the best program if we have affordability issues with other programs.

How much Home can I afford? Is only one of the many questions when finding a home loan. Are you buying a home, condo, land, new build, mobile home...then you will require a specific loan. Are you a first time home buyer or looking for land in a rural area?...there are low down payment options.

Types of Loans:
Conventional Loan: 3% - 20% down payment. Typically less restrictions than FHA loan.

D.P. Assistance: Loan assistance with the Down Payment

Doctor: Loan for Doctors or soon to be Doctors with Degree.

FHA: First Time Home Buyer - Move in Ready condition mandatory.

Home Equity: Primary residences, cash out about 80% of home's appraised market value.

Investment: Rentals or income producing, min 20% down payment

Land: Vacant land, min 20% down payment.

Mobile Home: Depends on attached to the ground, year, double wide.

New Construction: Includes buying lot and construction costs.

Rehab 203K: First time home buyer program for home that require rehab, based on future appraisal.

USDA: Rural loan or outside of city limits, 0% down payment.

VA: Veteran of Armed Forces, 0%, must be move in ready condition.