Mortgage and Loan Options
Everyone's financial situation is unique, and we’re here to find the right mortgage solution for you. With expert advice and access to competitive rates, we make the process smooth and stress-free.
Compare Loan Options
Home loans aren’t a one-size-fits-all solution. Whether you're a first-time homebuyer or looking to refinance for better savings, I offer a variety of mortgage options tailored to your unique needs. Explore the key differences below to find the best loan for you.
Loan Options
Conventional Loans
A conventional loan is not insured or guaranteed by the federal government, which makes it different from programs like VA, USDA and FHA. These flexible loans allow borrowers to get low rates and often avoid mortgage insurance with a higher down payment
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Jumbo Home Loans
A Jumbo Loan is a non-conforming loan used to finance a larger home that’s above the conforming loan limits traditionally accepted by government-sponsored enterprises. A Jumbo Loan allows a borrower with a high credit score and healthy reserves to secure financing for a larger home.
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
FHA Home Loans
The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers.
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
VA Home Loans
The U.S. Department of Veterans Affairs’ VA loan programs are intended for military service members and their families. Being a government-backed mortgage means that the VA will reimburse the lender for any losses that may result from borrower default, allowing lenders to finance up to 100% of the property’s value.
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
USDA Home Loans
The United States Department of Agriculture (USDA) offers a loan program for borrowers who meet certain income requirements and live within designated “rural” areas. This type of mortgage loan is designed for borrowers who have a steady, low or modest income, and yet are unable to secure a conventional loan. There are income restrictions on these types of loans, which vary by county.
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Investment Property Loans
If you’re looking to purchase a single-family, townhome, condo, or multi-unit property with the intention of earning a return on the investment, an investment loan may be just what you need.
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
Your Next Steps
Take the next step toward your mortgage with these simple options:
Connect with Us
Whether you’re a first-time homebuyer or looking to refinance, reach out for expert advice and a free quote.
Start Your Application
We compare top mortgage options to find the best fit for you—completely free of charge.
Want to know About US!
Get quick estimates on your potential mortgage payments and financing options with our easy-to-use tools.
Jeremy Klinker
MLO#1827368
RateShop
NMLS#1862092
© Copyright 2025. All Rights Reserved RateShop Mortgage LLC