Loan Programs

FHA LOANS

FHA loans have been helping borrowers to become homeowners and to achieve the American dream since 1934. An FHA loan is a mortgage loan insured by the Federal Housing Administration (FHA). This type of the loan will help the first-time home-buyers buy a home with an affordable loan with a low down payment. You can buy your first home with a low down payment—as little as 3.5% of the purchase price.

WHEN A FHA LOAN MAKES SENSE TO YOU
If you have been challenged by economic events and begun to rebuild your creditworthiness, you may be ready for another shot at home ownership through an FHA loan, and you don’t need to be a 1st time home buyer. If you are a first-time home buyer looking at financing your first step toward achieving the American dream, home ownership is possible with an FHA loan.
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CONVENTIONAL LOANS

Conventional Loan is a type of mortgage loan that conforms to very specific lending terms, conditions, and guidelines established by government-sponsored enterprises:
Federal National Mortgage Association (Fannie Mae)
Federal Home Loan Mortgage Corporation (Freddie Mac)
Conforming loan programs have loan limits that are set by the county in each state. For the first-time homebuyers, the down payment is only 3% down.

WHEN A CONVENTIONAL LOAN MAKES SENSE TO YOU
You would get a Conventional Loan when you have good credit. Between FHA and a Conventional loan, the mortgage insurance is a lot less expensive on a conventional loan than if they choose FHA. The overall cost of your mortgage loan is generally dictated by the amount of money you put down toward the purchase price of your home and your credit score.
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VA LOANS

You fought enough in service to your country. It’s our turn at Reliance First Capital to fight for you and help you with your VA home loan. Our commitment is a quick closings, you can look forward to winding down in the safety and comfort of your new home. The typical VA loan offers 100% financing, meaning no down payment.

A VA home loan is a mortgage insured by the Department of Veterans Affairs (“VA”).
Those eligible for VA loans include:
• Active-duty military personnel • U.S. Military Veterans • Surviving spouses of military service persons who die while on duty or as a result of military service • Some reservists and National Guardsmen • 100% LTV is subject to Veterans Full Eligibility
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I can explain different types of the loans and explain how they work, then help you secure the funding that fit your unique needs.
Trusting me with your loan, you get one mortgage originator, one lender relationship, because I don’t believe you should have to re-explain your situation with every conversation.

* All loans are subject to underwriting or investor approval. Other restrictions may apply.
This is not an offer of credit or a commitment to lend. Guidelines subject to change.