Take advantage of our staff’s extensive training in all forms of Mortgage Lending:

	Traditional Lending
	Conforming and Non-Conforming loans
	FHA Financing
	VA Financing
	Fannie Mae
	Freddie Mac
	Lease Options

Traditional Lending
Depending upon your particular situation, you may qualify for general mortgage loans offered by many banks and mortgage companies. We’ll help identify appropriate benefits and those questions you should ask to help you choose the best product and lender for your situation.



Conforming and Non-Conforming loans
A conforming loan is a conventional home mortgage that is eligible for sale and delivery to either Fannie Mae or Freddie Mac. The maximum loan amount for a conforming loan is $214,600. A non-conforming loan, also known as a jumbo loan, is one that exceeds the $214,600 limit and cannot be funded by Fannie Mae or Freddie Mac.

FHA Financing
(Federal Housing Administration) FHA loans are mortgage loans that are insured by the Federal Housing Administration, an agency within the Department of Housing and Urban Development (HUD). FHA loans help people buy or refinance their current homes with a low down payment. HUD doesn't give you the loan directly. You'll need to go to a local HUD-approved lender, who will help you find out if one of HUD's programs is right for you.

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VA Financing
(Veterans Administration)
The Veterans Administration guarantees home loans for active duty personnel, veterans, and reservists/guardsmen for the purchase or refinancing of homes, condominiums, and manufactured homes. VA loans are made by a lender, such as a mortgage company, savings and loan or bank. A veteran who hasn't previously used the benefit may be able to obtain a VA loan of up to $203,000 with zero down.

Fannie Mae
(Federal National Mortgage Association)
Fannie Mae is a private, shareholder-owned company that works to make sure mortgage money is available to make it possible for low-, moderate- and middle-income families to buy homes of their own in communities all across America. It does not lend money directly to home buyers. Instead, it works with lenders to make sure they don't run out of mortgage funds, so more people can achieve the dream of home ownership.

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Freddie Mac
(Federal Home Loan Mortgage Corporation)
Freddie Mac is a stockholder-owned corporation chartered by Congress to increase the supply of funds that mortgage lenders can make available to homebuyers and multifamily investors. Financing housing for low- and moderate-income families has been a key part of Freddie Mac's business since it opened its doors over 25 years ago.

Lease Options
A lease option program may be appropriate for homebuyers to acquire a home even though credit qualifications may prevent them from obtaining a mortgage now. It allows the lease of a home from the seller at an agreed-upon rate, and then the acquisition of the property once a mortgage has been obtained.