Loan Programs & Solutions

VA, FHA, USDA, Conventional & More

Personalized banker service with broker-level options

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VA Loans VA IRRRL FHA Conventional USDA Jumbo Refinance

VA Loans

No down payment, no monthly mortgage insurance for eligible service members, veterans, and surviving spouses.

Key Benefits

  • 0% Down Payment: Purchase with no money down
  • No Monthly MI: Unlike FHA or conventional with less than 20% down
  • Competitive Rates: Often lower than conventional financing
  • Flexible Credit Guidelines: Work with clients across credit spectrums
  • Second-Tier Entitlement: May allow multiple VA-financed homes in certain situations—let's discuss your options

Who Qualifies?

Active-duty service members, veterans, National Guard, Reservists (with qualifying service), and surviving spouses of those who died in service or from service-connected disabilities. Learn more about VA loans for military PCS moves.

Learn About Pre-Qualification Ask About VA Loans

VA IRRRL (Streamline Refinance)

Interest Rate Reduction Refinance Loan - streamlined refinance for existing VA loans with minimal documentation.

Benefits

  • Lower your interest rate and monthly payment
  • Minimal documentation required
  • No appraisal in most cases
  • Refinance up to 100% of current loan balance plus funding fee
  • Can include energy-efficient improvements

Requirements: Must currently have a VA loan, be current on payments, and certify you previously occupied the property.

Check Your Rate

FHA Loans

Federal Housing Administration loans with as little as 3.5% down and flexible credit guidelines.

Key Features

  • Low Down Payment: As low as 3.5% with qualifying credit (or explore down payment assistance programs)
  • Flexible Credit: More lenient credit requirements than conventional
  • Gift Funds Allowed: Down payment can be gifted from family

Considerations

  • Upfront mortgage insurance premium (can be financed)
  • Monthly mortgage insurance required
  • Property must meet FHA standards
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Conventional Loans

Traditional financing with as little as 3% down for qualified first-time buyers, 5% for repeat buyers.

Advantages

  • Competitive Rates: Often competitive rates for strong credit
  • PMI Can Be Removed: Once you reach 20% equity
  • Flexible Property Types: Primary, second homes, investment properties

First-Time Buyer Programs

As low as 3% down for first-time buyers. Ask about HomeReady and Home Possible programs with expanded income and credit flexibility. Also see down payment assistance options to reduce upfront costs.

Discuss Options

USDA Loans

100% financing for eligible rural and suburban properties—including much of Camden County, GA.

Key Benefits

  • 0% Down Payment: True 100% financing
  • Competitive Rates: Often lower than conventional
  • Low Mortgage Insurance: Lower than FHA in most cases
  • Flexible Credit: Guidelines accommodate various credit profiles

Eligibility

Property must be in a USDA-eligible area (check eligibility map). Income limits apply based on household size and location. Great option for Kingsland, St. Marys, Woodbine, and surrounding areas.

Check Eligibility

Jumbo Loans

Financing for higher-priced homes that exceed conventional conforming limits.

Features

  • Loan amounts above the current conforming loan limit
  • Competitive rates for qualified borrowers
  • Purchase or refinance
  • Primary, second homes, and investment properties

Requirements

Typically requires stronger credit (680+), larger down payment (10-20%), and lower debt-to-income ratios. VA Jumbo loans available for eligible service members and veterans.

Discuss Jumbo Options

Refinance Options

Lower your rate, adjust your term, or access your home's equity.

Rate & Term Refinance

Lower your interest rate or change your loan term to save money or pay off your home faster.

Cash-Out Refinance

Access your home equity for debt consolidation, home improvements, investments, or other financial goals.

VA IRRRL

Streamlined refinance for existing VA loans with minimal documentation and no appraisal in most cases.

Check Your Refinance Options

Ready to Explore Your Options?

Let's discuss which loan program is right for your goals

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