Loan Types

Just like you, each loan type is unique and we will help you find the one that best fits your needs. Below are just a few examples to read about.

FHA

Low down payment (as low as 3.5%)

FHA Loans are government-backed mortgages designed for low-to-moderate income borrowers who may have lower credit scores. They require a lower minimum down payment and are more accessible than conventional loans.
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Modern two-story suburban home with a well-maintained lawn, featuring a beige and brown exterior, large windows, and a two-car garage, ideal for family living and mortgage solutions.
Beautiful contemporary house in a friendly neighborhood, showcasing attractive architecture and curb appeal, perfect for families seeking reliable mortgage options.
VA

No down payment required.

VA Loans are mortgage loans available to veterans, service members, and their spouses. They are backed by the Department of Veterans Affairs and offer significant advantages for those who have served our country.
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Happy family standing outside their modern home, representing trusted mortgage solutions and homeownership assistance by Hometown Mortgage Solutions.
A joyful family of four enjoying time together outside their new home, highlighting expert mortgage services and personalized home financing options from Hometown Mortgage Solutions.
Conventional

Competitive interest rates.

Conventional Loans are traditional home financing options suitable for borrowers with a good credit score and a stable financial background. They offer flexibility in terms and conditions, making them a popular choice for many homebuyers.
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Beautiful blue suburban house with a spacious porch, surrounded by lush greenery and trees, ideal for family living and outdoor gatherings.
A charming blue house with a large porch, perfect for family gatherings and outdoor relaxation, set in a lush green yard with mature trees.
Minimal or no down payment

Down payment assistance

Downpayment Assistance Loans are designed to help first-time homebuyers and those with limited funds to cover the initial costs of buying a home. These loans work alongside your primary mortgage to cover down payment and sometimes closing costs, making homeownership more accessible.
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Modern single-story home with landscaped front yard, large windows, and contemporary design, ideal for homebuyers seeking stylish residential properties.
Beautiful modern house with a well-maintained front yard, large windows, and contemporary architecture, perfect for families looking for their dream home.

Unique Loan Programs

We offer several different types of loans to fit your needs. Some examples include:

  • New Construction

  • Purchase to Rehab 

  • Investor Loans and Blanket Liens

  • Bank Statement Loans

Please call us to discuss your unique situation.

Happy couple standing in front of a house with a "Sold" sign, representing successful home buying and mortgage services by Hometown Mortgage Solutions.
Happy couple celebrating the sale of their new home with Hometown Mortgage Solutions, showcasing expert mortgage assistance and homeownership success.