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Purchase Loans

Wondering which loan type is right for you? Reach out to our team!

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Conventional

· SFR Loan Limit for 2025: $806,500 (up to $1,209,750 in high-cost areas)

· Down Payment: As low as 3% or 5%

· Property Appraisal Less Restrictive

· Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured  

· 620 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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FHA

· Loan Limit for 2025: $524,225 (up to $1,209,750 in high-cost areas)

· Down Payment: As low as 3.5%

· Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured

· Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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USDA

· Zero Down — 100% Program

· 6% Seller Paid Closing Costs Allowed

· Geographical Areas

· Income Limits Apply

· Stick Built, Log, Shop/Home, or New Manufactured

· 640 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

VA

· No Max Loan Limit - on approved credit

· No Mortgage Insurance

· VA Disabled = Zero Funding Fee may apply

· Certificate of Eligibility Required

· 4% Seller Paid Closing Costs Allowed

· Stick Built, Log, Shop/Home, or Manufactured

· 600 Minimum Credit Score (on approved credit)

· Construction - Single Close available on approved credit

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