We Specialize In All Types Of Loans

Here are many loans and information below to help you decide which is best for you!

FHA Loans

Why Choose an FHA Loan?

Lower Down Payments: One of the most significant advantages of FHA loans is the lower down payment requirement. With an FHA loan, you can purchase a home with as little as 3.5% down. This makes it easier for buyers who have limited savings to get into their dream home.

Flexible Credit Requirements: FHA loans are designed to be more accessible to borrowers with lower credit scores. While conventional loans typically require higher credit scores, FHA loans are more forgiving, allowing individuals with credit scores as low as 580 to qualify. This flexibility helps more people achieve homeownership.

Benefits of FHA Loans with Choice Lending

Competitive Interest Rates: At Choice Lending, we offer some of the most competitive rates in the industry. Our goal is to ensure that you receive favorable loan terms that fit your budget and financial goals. Lower interest rates mean lower monthly payments, making homeownership more affordable.

VA Loans

Achieve Homeownership with VA Loans from Choice Lending

VA loans, backed by the Department of Veterans Affairs, offer a remarkable opportunity for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves to achieve homeownership with significant benefits. At Choice Lending, we proudly offer VA loans that require no down payment, have competitive interest rates, and provide favorable terms without the need for private mortgage insurance (PMI). These loans are designed to honor our military heroes by making homeownership more accessible and affordable. Our team of dedicated mortgage professionals is committed to guiding you through the VA loan process with personalized service, ensuring a smooth and stress-free experience as you secure your dream home.

Conventional Loans

Secure Your Dream Home with Conventional Loans from Choice Lending

Conventional loans, not backed by any government agency, offer flexible financing options that can cater to a wide range of homebuyers. At Choice Lending, we provide conventional loans with competitive interest rates and customizable terms, making them ideal for buyers with strong credit histories and stable income. These loans typically require a higher down payment than government-backed loans, but they offer advantages such as the potential for lower overall costs and the ability to avoid private mortgage insurance (PMI) if you put down at least 20%. Our team of experienced mortgage professionals is here to help you navigate the conventional loan process, providing personalized guidance to ensure you secure the best possible terms for your financial situation.

USDA Home Loans

Unlock Rural Homeownership with USDA Home Loans from Choice Lending

USDA home loans, backed by the U.S. Department of Agriculture, are designed to make homeownership more accessible for individuals and families in eligible rural and suburban areas. At Choice Lending, we offer USDA loans with zero down payment, competitive interest rates, and flexible credit requirements, making them an excellent option for buyers who might not qualify for conventional financing. These loans also feature reduced mortgage insurance costs, further lowering your monthly payments. Our team of dedicated mortgage professionals will guide you through the USDA loan process, ensuring you understand all your options and helping you secure the financing you need to achieve your dream of homeownership in a rural community.

CalFHA Home Loans

Achieve Affordable Homeownership with CalHFA Loans from Choice Lending

CalHFA home loans, offered through the California Housing Finance Agency, are designed to provide affordable financing solutions for low to moderate-income first-time homebuyers in California. At Choice Lending, we proudly offer CalHFA loans that feature down payment and closing cost assistance, competitive interest rates, and flexible credit requirements, making homeownership more attainable for many California residents. These loans are specifically tailored to help you overcome financial barriers and secure a stable, affordable mortgage. Our experienced mortgage professionals are committed to guiding you through the CalHFA loan process with personalized support, ensuring you take full advantage of the benefits and achieve your dream of owning a home in California.

Down Payment Assistance

Unlock Homeownership with Down Payment Assistance from Choice Lending

Down payment assistance programs offered by Choice Lending are designed to help aspiring homeowners overcome one of the biggest hurdles to purchasing a home: the initial down payment. These programs provide financial support in the form of grants, low-interest loans, or deferred payment loans, making it easier for you to afford a down payment and reduce the overall cost of homeownership. Our knowledgeable mortgage professionals will work with you to identify and secure the best down payment assistance options available, ensuring you have the resources needed to achieve your dream of owning a home without the financial strain. Let Choice Lending guide you through the process and help you unlock the door to your new home with ease and confidence.