Having a large variety of products is key when it comes to fitting you with just the right one.
I have solid income and credit, but want to put 0 down on my purchase
The 80/20 loan program is the perfect option for those looking at average-to-high loan amounts, but don't want to put a lot down.
Adjustable Rate Mortgage (ARM)
I want a super low rate right now
An Adjustable Rate Mortgage, also known as an ARM, is a great option for those looking for the lowest possible rate at the time of their purchase. It's important to remember that with these types of programs, the rates will fluctuate after the cap period. It's best to chat with a loan officer on the details of an ARM and if it's the best fit prior to moving forward with one.
I want to buy a condo
In the market for a condo? Condo loans must meet certain guidelines and restrictions, so it's important for buyers looking at condos to pair up with a loan officer who's a pro at this type of loan. Good thing we have those loan officers at Homeside!
I'm ready to build my dream home
Going the Construction-to-Permanent route is perfect when homebuyers have a lot and are looking to build their house on it.
I've saved up for the down payment and my credit score's good
A conventional loan is a smart choice for borrowers who have a solid credit profile with some money to put towards a down payment and closing costs. A conventional also offers the option to eliminate monthly mortgage insurance by putting down 20% towards the home purchase.
Down Payment Assistance
I need help with my down payment
A down payment assistance program helps make buying a home more affordable by offering money to help with the down payment and closing costs. Borrowers looking for assistance should make sure to let their loan officer know upfront so they can find the perfect one.
I want flexible options with my down payment and credit score
An FHA loan is a great fit for buyers who don't have a ton of money for down payment and closing costs, have steady low-to-moderate income and/or have less than perfect credit. This program is most popularly used by first time homebuyers.
I'm looking for a home in high-cost areas
A high-balance loan is a conforming loan for situations where the loan amount needed exceeds conforming loan limits. Each year, the Federal Housing Finance Agency (FHFA) sets specific county's limits for high-balance loans.
I'm looking to spend over the conforming loan program limit
Jumbo loans are great for borrowers who are shopping for homes on the more expensive side and need more than what the FHFA sets for conforming loans.
I want to buy a fixer-upper or make upgrades to my home
A renovation loan offers a variety of options to help fit the borrower's situation best. Whether you're renovating an entire house or remodeling a bathroom, this type of loan is a great option. Even better? We have a dedicated team of experts for this.
I'm looking to move to a rural area
A USDA loan offers a fixed-rate, 0 down loan option for those looking to purchase a home in a rural, USDA-eligible area.
I'm active military or a veteran
A VA Loan offers veterans and active military an option with low rates, no down payment and flexible income requirements.