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Loan options overview
Eleven programs, many lenders. Tell Craig what you are trying to do and he will narrow it to the two or three that actually fit — and show you the numbers side by side.
Government-backed
VA loans$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.$0 · down payment for eligible borrowers
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.1 · closing for land, build and loan
FHA loansGovernment-backed loans with 3.5% down and more flexible credit and income guidelines.3.5% · minimum down payment
USDA loansZero down payment for homes in eligible rural and suburban areas — often closer to the city than people think.$0 · down payment
Fixed-rate
30-year fixedThe lowest monthly payment of the traditional loans, and a rate that never changes.30 yrs · one fixed rate
15-year fixedPay the home off in half the time and save a large share of the interest.15 yrs · one fixed rate
Adjustable
Specialty
Physician loansLittle or no down payment, no PMI and student loans treated fairly — for doctors, dentists, pharmacists, vets, residents and fellows.0% · down for eligible borrowers
Jumbo loansFinancing above the conforming loan limit for luxury homes and high-cost areas.Above · the conforming limit
203(k) renovationBuy a fixer-upper and finance the renovation in the same mortgage.1 · loan for purchase + repairs
Reverse mortgageHomeowners 62 and older can turn part of their home equity into cash — without selling or moving.62+ · minimum age
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Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
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Call, text or book 15 minutes. You will talk to Craig — not a call centre.