Financing

VA Home Loans

There has never been a better time to invest in your future! 

• No down payment with full entitlement
• Loans up to $417,000 with 100% financing
• Seller contributions
• More flexible income, employment and savings requirements
• Fixed and adjustable rate programs available

FHA Home LOANS 

• Downpayments as low as 3.5%
• Gift funds allowed
• No maximum income limits
• 10 to 30 year loan terms available

FEDERAL HOME LOAN BANK PROVIDES DOWN PAYMENT AND CLOSING COSTS 

• Maximum grant $10,000
• Minimum buyer contribution $500
• Be the owner and occupant of the home purchased
• Must stay in the home 5 years
• Other conditions may apply

Don't let down payment or closing costs keep you from getting into your dream home!

USDA RURAL DEVELOPMENT LOAN PROGRAM 

• Finance as much as 103.5%
• 30 year loan term at Fixed Interest Rate
• NO MORTGAGE INSURANCE
• Seller contribution to closing costs No maximum loan amount (based on applicant's repayment ability and 29/41 ratios)
• Loans up to 102% of market value or acquisition cost if necessary to permit financing of guarantee ** fee.

Homes that Qualify 

• New or existing homes
• Existing homes must be structurally sound, functionally adequate and met thermal standards.
• No restrictions on size.
• Other conditions may apply

Information Provided By Southern Trust Mortgage:

Kimberly Cytryszewski
Mortgage Loan Officer

Richard LaMotte
Mortgage Loan Officer