This mortgage program is supported by the Federal Housing Administration, and it is designed to help those with limited down payment resources and lower credit score. Sponsored by private financial lenders, a conventional loan applies to almost all property types. It is the perfect loan for well-qualified borrowers with little debt and a solid credit score.
Insured by the Veterans department, VA loans offer excellent opportunities to service members, military veterans, and their families to repair, build, or buy their own homes. USDA loan is for homebuyers with low-moderate income, looking to purchasing a property in a suburban or a rural area. Excellent mortgage financing for borrowers that had gone through credit issues, such as bankruptcy or foreclosures in the past.
Insured by the Veterans department, VA loans offer excellent opportunities to service members, military veterans, and their families to repair, build, or buy their own homes. USDA loan is for homebuyers with low-moderate income, looking to purchasing a property in a suburban or a rural area. Excellent mortgage financing for borrowers that had gone through credit issues, such as bankruptcy or foreclosures in the past.
Services
Insured by the government, the Federal Housing Authorization loan or FHA loan is sponsored by the Federal Housing Authorization. The FHA loans are designed by keeping the first-time home buyer in mind to help those with limited payment resources. Federal Housing Administration allows getting finance approval with a minimum down payment of 3.5% and crediting score as low as 580.
A conventional loan is a traditional mortgage type and is not insured by federal agencies like The Rural Housing Service, FHA (Federal Housing Administration), or Veterans Administrations. Conventional loans backed up by GSE (government-sponsored enterprise) programs like Freddie Mac. and Fannie Mae applies to almost all property types.
For military veterans and their Insured by the Veterans department, VA loans offer excellent opportunities to service members, military veterans, and their families to repair, build or buy their own homes with no money down.
VA offers extraordinary purchase Loan benefits such as adjustable and low fixed-rates, 100% financing according to VA lending limit in your zone, no need for private mortgage insurance, no down payment, jumbo loan of up to $1.5 million, no private mortgage, and right to pay the loan earlier without any penalty.
VA offers extraordinary purchase Loan benefits such as adjustable and low fixed-rates, 100% financing according to VA lending limit in your zone, no need for private mortgage insurance, no down payment, jumbo loan of up to $1.5 million, no private mortgage, and right to pay the loan earlier without any penalty.
USDA loan is for people with low-moderate income and dreaming of purchasing a property in suburban and rural areas. The areas eligible for this program are decided by the United States Department of Agriculture. Sponsored by the government, the USDA loan is beneficial to all types of borrowers with an option of 100% financing.
Reviews (10)
Andrea Goe
Feb 02, 2022
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I was introduced to two other loan agents who didn't impress me before I was introduced to Zoila. Zoila knows her stuff, let me tell you!
I'm a first time home buyer and she was there every step of the way, and more! She was able to assist and explain everything to me as needed. And trust me, I had A LOT of questions!
I'm very impressed by her knowledge and willingness to assist others. I'd recommend her all day looonngggg...!
I'm a first time home buyer and she was there every step of the way, and more! She was able to assist and explain everything to me as needed. And trust me, I had A LOT of questions!
I'm very impressed by her knowledge and willingness to assist others. I'd recommend her all day looonngggg...!
M. Waseem Chachar
Jan 23, 2022
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We purchased our house using the services of USA loans. USA loan officer made the process painless and simple for us. Zoila Sanchez (Senior Loan Officer) and Borden Lopez (Loan Partner) were a delight to work with. They were very very responsive, honest, and blunt. I really appreciate their transparency and communication; they replied instantly to all our inquiries. They provided us with detailed information as to where we were in the process and kept us in loop from conception of the application to the loan disbursement. They worked very closely with our realtor (Jhenny Anderson, a wonderful realtor
Logan Moore
Jan 11, 2022
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This lender is doo doo. They do not meet proper timelines and they have absolutely poor communication. 1 week before closing, they have to extend because, "We are just waiting on one more document to come through"...Fast forward to 30 days later... day of closing... No information, no contact, nothing... I found out at 9pm that night that they STILL didnt have all their documents together... they had 60 days to make all this happen. Someone higher up needs to look into who is doing their job and who isnt. The agent was extremely rude to my realtor. Had a very dismissive attitude, seemed irritated
Scarlet Riehl
Jan 11, 2022
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The Loan agent I was put in contact with was referred to me by a coworker! She had nothing but great things to say about how he helped her to get approved when no one else was willing to play with her numbers or lower credit score when attempting to buy a home. I was given the exact treatment that I expected. My loan officer was in contact with me at all hours of the day either via email, text, or phone. He worked hard to adjust my numbers when previous companies I had contacted denied me without second thought. He was passionate about getting me into my new home and was very transparent and informative
Troy Acuff
Jan 05, 2022
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Loved working with Scott! He was incredibly responsive and accessible during the whole process. In these hectic real-estate times, Scott enabled us to quickly respond to competitive situations. The closing process was smooth and quick, with no hiccups. He checked in with us numerous times during the process and showed that he cared about our experience on a personal level. I would definitely work with Scott again!
Geurys Perez
Jan 02, 2022
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Getting a home is not easy, specially during this crazy market. I have to say that USA Loans did an amazing job for our family. The 21 day closing deadline was met by Patricia Flynn (Senior Loan Officer ) and her incredible team did a wonderful/exceptional job with our loan needs. Thank you so much for going above and beyond for us.
What a great Christmas present to our family and end of the year achievement, that would not have been possible without you guys.
We highly recommend you guys, thanks again and keep up the amazing job!
What a great Christmas present to our family and end of the year achievement, that would not have been possible without you guys.
We highly recommend you guys, thanks again and keep up the amazing job!
Yayito
Dec 18, 2021
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I have just refinanced my home with USA loans. The process was smooth and very efficient. I can not forget to mention Zoila, our loan officer, who did a fantastic job by helping us to get a lower interest rate and save us thousands of thousands of dollars on our new loan. Zoila answered all our questions and made sure we were satisfied with the deal we were getting.
I would strongly recommend USA loans to anybody who needs a professional team to work with their Real Estate needs.
I would strongly recommend USA loans to anybody who needs a professional team to work with their Real Estate needs.
Christopher Urick
Nov 29, 2021
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Andrea is the best in the biz. She saved my loan and has saved some of my clients loans as well.
I was using a lender that gave me numbers that were too good to be true and sure enough they were. I ended up almost losing my deal. I called Andrea at USA Loans and she immediately jumped right on the phone and saved my deal. I am now a homeowner thanks to her and her team. Thank you so much!
I was using a lender that gave me numbers that were too good to be true and sure enough they were. I ended up almost losing my deal. I called Andrea at USA Loans and she immediately jumped right on the phone and saved my deal. I am now a homeowner thanks to her and her team. Thank you so much!
Eduardo Ruiz
Oct 20, 2021
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My Wife and I are so happy and grateful that USA loans helped us with the purchase of our 1st home. Special thanks to our loan Officer Zoila Luz, as she was with us every step of the way .Always answering her phone even late at night when we had questions, she was Amazing explaining to us line by line how the down payment and closing cost work.showing us were every single dollar was distributed and so nice and professional of her to show up on the last and more important day which was the closing day..We are so happy to have met you and work with you(Zoila)and your team..we will definitely recommend
Milenka Gutierrez MilyGuti
Sep 12, 2021
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