Mortgage Loan Options

Conventional loans offer affordable rates and flexible down payment options. 

3% Down – Home Possible & Home Ready Programs w/ $2,500 Down Payment Assistance ***income limits apply for these programs

5% Down – Traditional Financing

10% Down – 2^nd Homes Properties

15-25% Down – Investment Properties

680+ Credit Scores
50% Debt to Income Ratios
1-4 Unit Properties

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Frustrated by a lack of decent, reasonably priced pre-owned homes? Well, creating and building exactly what you want isn't just for the wealthy any longer.

PRMI's One-Time Close Construction Financing Program now brings the option of designing and building a new custom home, within reach of so many more homebuyers. In fact, it only requires 3.5% down and can accommodate borrowers with credit scores as low as 620! (for otherwise qualified clients.)

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FHA loans come with low down payment options and lenient credit requirements. These federally insured loans are designed to help more people achieve their homeownership goals.

3.5% Down – Down payment assistance available to cover down payment requirement and up to 1.5% of sales price for closing cost assistance. 

580+ Credit Scores
55% Debt to Income Ratios
1-4 Unit Properties

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VA loans help make homeownership more attainable for veterans and military service members. These loans are federally insured and available with no down payment.* Plus, they don’t require private mortgage insurance.

0 Down* – NO Private Mortgage Insurance (PMI)

580+ Credit Scores
55% Debt to Income Ratios
1-4 Unit Properties

*Closing costs and fees may still apply.

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USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*

*Closing costs and fees may still apply.

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These loans have higher loan limits that help you purchase high-value property. Low down payments are possible.
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Consider getting a home renovation loan if you’re planning to buy a house at a lower price point, and you would rather shoulder the cost of fixing it up. You may also consider choosing this loan if you want to quickly gain equity. It covers renovation costs and system updates and installations.
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