Whether you’re buying your first home, refinancing, or exploring investment opportunities, we’re here to make the mortgage process simple, transparent, and stress-free. At Finance Home America, we believe in more than just finding you a great loan—we believe in building lasting relationships. You’ll get personalized guidance, clear communication, and a partner who’s with you every step of the way. Your goals are our priority, and we can’t wait to
help you open the door to your next chapter.
A Conventional Loan is one of the most common mortgage options for homebuyers and homeowners. With flexible terms and competitive interest rates, conventional loans can be a great choice for buyers with good credit and stable income. They often require a down payment as low as 3% (Normally 5%) and can be used for primary residences, second homes, or investment properties.
FHA loans are designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans allow for lower down payments—as little as 3.5%—and more flexible credit requirements. They’re a great option if you’re looking for a little extra help getting into your first home or need a loan program that’s more forgiving.
USDA loans are a great option for buyers looking to live in eligible rural or suburban areas. Backed by the U.S. Department of Agriculture, they offer 0% down payment and low interest rates, making them perfect for families who want more space without stretching their budget. If you’re open to a country or small-town lifestyle, a USDA loan could be your ticket home.
VA loans are an amazing benefit for eligible veterans, active-duty service members, and certain military spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer 0% down payment, no private mortgage insurance (PMI), and competitive interest rates. They’re designed to honor your service by making homeownership more affordable and achievable.
Jumbo loans are designed for high-value homes that exceed conventional loan limits. Perfect for buyers in competitive markets or purchasing luxury properties, these loans often require strong credit, higher income, and a larger down payment. They provide the flexibility to finance your dream home without being limited by standard loan caps.
Construction loans help you finance building your new home from the ground up. These short-term loans cover the cost of land, labor, materials, and permits, and then can convert into a permanent mortgage once the home is complete. They’re ideal if you want full control over your home’s design and features.
Debt Service Coverage Ratio (DSCR) loans are tailored for real estate investors. Instead of qualifying based on personal income, these loans focus on your property’s cash flow to cover the mortgage. They’re an excellent solution for building your rental portfolio without traditional income documentation requirements.
Bank statement loans are perfect for self-employed borrowers or business owners whose tax returns may not reflect their true earning power. Instead of W-2s or pay stubs, lenders use your bank statements to verify income. This gives you the flexibility to qualify based on real deposits rather than adjusted taxable income.
Renovation loans allow you to roll the cost of home repairs or upgrades into your mortgage. Whether you’re buying a fixer-upper or updating your current home, these loans make it possible to finance improvements without taking out a separate loan. They’re ideal for turning potential into the perfect home.
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(979) 733-3358
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Disclaimer: All loan products are subject to credit approval. Terms, conditions, and eligibility requirements may vary. Not all applicants will qualify. Programs, rates, and guidelines are subject to change without notice.
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