Greg Beckham
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    • Home
    • Real Estate
      • Buyers
      • Sellers
    • Home Loans
      • Loan Programs
      • What you need to gather
    • Contact
  • Home
  • Real Estate
    • Buyers
    • Sellers
  • Home Loans
    • Loan Programs
    • What you need to gather
  • Contact

Loan programs

Fixed Rate Conventional

These loans the standard 10, 15, or 30-year fixed FNMA and FHLMC loans that work with as little as 5% down. Loans with less than 20% down require PMI (Private Mortgage Insurance) which is added to your monthly payment. 

FHA 30-Year Fixed

FHA government insured loans are available with as little as 3.5% down and allow slightly higher debt to income ratios and generally have lower rates.  FHA loans also include a monthly Mortgage Insurance Premium, which is added to your payment.

VA 30-Year Fixed

VA loans are for active or retired servicemembers. You can buy a home with NO down payment. There are no mortgage insurance premiums with VA loans and the rates are lower than conventional loans. 

Non-Qualified Mortgages

Non-qualified loans are available with a variety of down payment scenarios. There are many loan programs that allow for various methods of income documentation. 

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CA DRE Broker License #01093185

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