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Government-backed loans for buyers who qualify.

FHA, VA, and USDA loans are mortgages backed by the federal government, designed to help specific groups of buyers afford a home. Each program has its own rules about who’s eligible and what it offers.
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A payment that never moves — for as long as you own the home.

These are programs, not products we invented. We broker them through approved lenders. They’re worth knowing about because they often offer better terms for the buyers who qualify than conventional financing would.

Contact us to learn about qualifications

FHA Loans

For buyers with smaller down payments or credit profiles that don’t fit conventional. Down payments can be as low as 3.5%.

FHA loans carry mortgage insurance, and depending on the structure that insurance can last the life of the loan. We’re upfront about that trade. For buyers who’d otherwise be locked out of homeownership, the trade often makes sense.

VA Loans

For veterans, active service members, and certain surviving spouses. Often no down payment required. No monthly mortgage insurance. Competitive rates. If you’ve served, this is usually the first option to consider.

USDA Loans

For buyers purchasing in eligible rural areas. Often no down payment required. Income and location limits apply, so eligibility is the first thing to confirm. We check whether the property and your income fit the program before we go further.

Frequently Asked Questions

Get answers to your common mortgage questions quickly and easily.
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Not for FHA or USDA. VA also has no first-time requirement.
FHA carries mortgage insurance, sometimes for the life of the loan. USDA limits where you can buy and how much you can earn. VA is generally the cleanest of the three for those who qualify.
Talk to us. We’ll look at your situation, confirm what you’re eligible for, and tell you which program is actually the best fit, not just the one you happen to qualify for.

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or call 860-288-4884.
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Loans subject to credit approval.