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Financing Solutions

ExploreFinancing Options for Every Circumstance

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  • 1 Conventional Loan

    • Also known as a “conforming” loan, a conventional mortgage loan is any type of home loan that conforms to the underwriting guidelines issued by Fannie Mae or Freddie Mac (government sponsored enterprises). These loans are best for borrowers with fair to excellent credit and the ability to document qualifying income. Down payments start as low as 3% and many First Time Home Buyer programs are available. Conventional loans can be either fixed rate or adjustable rate. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 2 Jumbo Loan

    • Jumbo mortgage loans are much like conventional loans, except they can exceed the county conforming/conventional loan limits. Down payment requirements start at 5% but will be higher for larger loan amounts. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 3 VA Loan

    • VA loans are designed to make homeownership more accessible for those who have served, or are currently serving our country. By providing flexible terms with $0 down payment required, VA loans can be easier to qualify for than conventional loans, making them a valuable resource for veterans and their families. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 4 Self-Employed Assist

    • Our self-employed assist loans (also called Non-QM loans) are designed specifically to help Self-Employed borrowers and Investors qualify with flexible guidelines. With qualifying options that allow borrowers to qualify based on cash flow derived from bank statement deposits or proposed rental income, these creative loan programs provide the support needed to achieve homeownership for borrowers with non-traditional income documentation. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 5 FHA Loans

    • With a minimum down payment of 3.5% and more flexible credit score requirements, FHA loans provide an affordable path to purchasing a home. These loans help buyers with limited savings or less-than-perfect credit qualify for financing. Plus, with our FHA down payment assistance program, we help buyers secure financing without the challenge of saving for a down payment. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 6Reverse Purchase Loan

    • If you are 62 or older and have a substantial down payment, a reverse purchase loan is an option to consider. Traditionally thought of as a refinance loan product, the reverse purchase mortgage can now be utilized to purchase a home and allows borrowers to increase their purchasing power, free up cash flow, and extend the life of their retirement assets and investments.. Contact a Loan Officer

  • 1Bridge Loan

    • Bridge loans offer sellers a convenient way to buy a new home before selling their current one. This short-term financing solution allows borrowers to leverage the equity in their current home to purchase a new home without traditional income qualifying requirements. Buyers can purchase their new home first with a bridge loan and sell their current home later. No need to make a contingent offer when a borrower qualifies for a bridge loan. Connect with a Loan Officer to learn more
    Contact a Loan Officer

  • 2 Reverse Mortgage Loan

    • A reverse mortgage loan allows homeowners aged 62 or older to tap into their home’s equity without selling or moving. With no monthly mortgage payments required and minimal income qualifying, this type of loan provides financial flexibility by converting part of your home’s value into cash, which can help cover expenses or support retirement. Connect with a Loan Officer to learn more. Contact a Loan Officer

  • 3 Home Equity Loan

    • Borrowers can access a portion of their home equity with either a fixed rate loan or an adjustable home equity line of credit (HELOC). These loans are typically secured in second position behind the borrowers existing mortgage. Funds can be used for investing in a new home purchase, consolidating debt, home improvement, or just about any other purpose. Connect with a loan officer to learn more. Contact a Loan Officer

Mortgage Estimate

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Federal 30-year interest rate: 6.67% last updated on Mar 20, 2025
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

* Mortgage Estimate includes principal and interest payment only. Other housing expenses like property taxes, homeowners' insurance, mortgage insurance, HOA fees, etc. are not included here. Contact a Home First Financial mortgage professional for more details and to get pre-approved.

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