Home Loan Options

Check out the home loan options we offer
and see which one best suits your financial interests.

What Are Your Mortgage Loan Options?

There are different finance options available for different types of buyers. The best thing is, we offer all of those. So whatever mortgage loan option you choose, we can help you work through it!

 

Conventional Loan

A conventional loan is a loan funded by private entities then eventually sold to government entities like Fannie Mae and Freddie Mac. Our conventional loan only asks for a minimum credit score of 620, a 3-percent down payment, and an option to skip mortgage insurance.

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FHA Loan

An FHA loan is a loan secured by the Federal Housing Administration whose primary mandate is to help buyers qualify for a home mortgage loan. At Reach Home Loans, we highly recommend this loan type if you’re a low to moderate-income earner.

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VA Loan

A VA loan is a particular loan that aims to help veterans or their surviving spouses access home financing. As the best home mortgage company, we ask for a down payment of 0% for VA loans and a minimum credit score of 600 to help our veterans.

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Jumbo Loan

A jumbo loan is a loan that exceeds statutory limits set by Fannie Mae and Freddie Mac. We offer this type of loan to people with higher income potential. Moreover, we can give as much as $3 million loan amount.

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Adjustable-Rate Mortgage Loan

Apart from conventional and jumbo loans, we can also give you adjustable-rate mortgage (ARM) loans. This type of loan varies depending on an index like the London Interbank Offer Rate (LIBOR) or a treasury bill.

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FHA 203(K) Loan

An FHA 203K loan is a special loan offered by FHA, allowing buyers to get a loan and use its proceeds to buy a home and renovate it. We recommend this loan for people who can’t yet afford to buy a brand new home.

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HARP Loan

The Home Affordable Refinance Program is provided by the Federal Government to help homeowners whose home values are less than their current loan amount…

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Find out the best home loan option

Ready to Buy or Refinance?
Let us show you how.

With our years of experience, we are completely focused
on getting you the best deal.