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At Ideal Lending our experienced loan officers will explain loan programs and offer great rates so you can meet your homeownership goals.
WHY IDEAL LENDING?
Loan Programs for
Conventional loans provide borrowers with flexible options that can be customized to suit their specific needs. One of the significant advantages of conventional loans is the potential for cost savings making them a more affordable choice for many borrowers. Due to a lack of government backing, they do require better credit to qualify.
FHA Loans can be a great choice for those that don’t qualify for conventional loans. FHA loans are backed by the government and have lower down payment requirements and flexible qualifications.
VA Loans are an excellent option for Veterans and surviving spouses. A VA home loan offers good interest rates, low- or no-down-payment options and no monthly mortgage insurance requirement.
With a USDA Loan, qualified borrowers can purchase or refinance a property, located in a designated rural area, up to 100% LTV. USDA Loans are not limited to first-time homebuyers and feature no down payment requirement.
Jumbo Loans (also known as non-conforming loans) often require a higher credit score, a larger down payment, and stricter eligibility criteria compared to conventional loans. Jumbo Loans provide borrowers with the opportunity to secure financing for higher-value properties that may not qualify for traditional mortgage loans.
Do you have the income to afford monthly mortgage payments, but are struggling to come up with the cash needed for a down payment and closing costs? Ideal Lending offers several Down Payment Assistance programs to help homebuyers like you come up with the upfront costs of buying a home.
Start your personalized home loan quote with a home loan specialist.
Ideal Lending as your Mortgage Lender
How Much Can You Afford?
When purchasing a home, it’s common to have many questions. Use our mortgage calculators to make an informed decision and have a clearer understanding of your financial obligations when buying a home.