Your Guide In Mortgages

We take the time to educate you about your loan options. A home loan should meet the needs of an individual, not the other way around.

Conventional Loan

The most common loan is a conventional loan because it meets the needs of most people. There is no government backing for this, so it requires a better credit score to quality. Lower costs make this a desirable loan.

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FHA Loan

For those who do not qualify for a conventional loan, an FHA Loan offers backing by the government, which helps more people qualify. Benefits include a lower down payment and a lower credit score requirement. There is an income qualification.

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VA Loan

If you currently serve or have served in the U.S. military, you may qualify for this loan. A VA Loan is an earned benefit for all active duty and retired military personnel. With very competitive pricing and no private mortgage insurance requirements, this option may be a great fit for you.

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The Klamath Basin has many rural subdivisions that may qualify for a USDA Loan. For those who may not qualify for conventional financing, this program that is managed by the Rural Housing Service offers flexible credit criteria and attractive down payment options.

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Non-Traditional Loan

There are many types of loans that fit into this category, such as Adjustable Rates, Interest Only, Jumbo and Zero Score loans. If you require an alternative method of homeownership, a Non-Traditional Loan may be the option for you.

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