Loan Programs

We offer a wide variety of loan products to give our customers the best options when purchasing their dream home.

Conventional Loans

Conventional loans are also available with low down payment requirements (with qualifying credit requirements). Conventional loans are backed by Fannie Mae or Freddie Mac and in some cases a portfolio bank. Conventional loans can be used to finance 2nd homes, investment properties, single family residences and condos.

FHA Loans

A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately-priced homes almost anywhere in the country. FHA loans offer a low down payment and more flexibility than many other types of financing.

VA Loans

Mortgage loans available to eligible US veterans. VA guaranteed loans are made by private lenders, such as banks or mortgage companies, for the purchase of a home for a buyer’s own personal occupancy. These loans offer competitive rates and require little or no down payment.

USDA/Rural Loans

Loans guaranteed by the USDA remain one of the few nationally offered loan programs available with no down payment. The program’s requirements mandate that both the property and borrower must qualify. These requirements are dependent on the physical location of the property and the maximum household income.

Land Loan

While the typical mortgage loan involves both a structure and the land upon which the structure is built, this type of loan involves only land on which a structure has yet to be built. It is sometimes referred to as a “lot loan.”

Reverse Mortgage

A Reverse Mortgage is a type of home equity loan that allows homeowners to convert some of their equity in your home into cash while retaining home ownership. Reverse Mortgages are backed by the government and FHA.

Jumbo Loans

Jumbo loans are available up to $900,000 with no adjustment to rate, but can go up to $2 million. Available for refinances or
purchases, mortgage insurance is not required.

Investor Loans

Normally conventional loans are used for investment properties. Due to changes in the mortgage industry, guidelines have changed quite a bit on investment loans. Investment financing typically requires 20% down on a single-family residence and 25% down on 2-4 unit properties on purchases. Investment properties are available as full documentation loan only.

New Construction

With this loan we can finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products. This type of loan is used to finance the construction of a home. It may or may not also include the purchase of the land upon which the home is to be built. Unlike a mortgage loan where the entire amount of the loan is disbursed to the borrower at the time the loan transaction is consummated, a construction loan involves a series of disbursements, which are linked to a construction schedule. Some construction loans have fixed interest rates, others have variable interest rates.

Down Payment Assistance Programs

Houser™ has partnered with many down payment assistance providers to make purchasing your first home more affordable.

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