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FHA loans are insured by the Federal Housing Administration, a part of the Department of Housing and Urban Development (HUD). These loans have relaxed standards making them easier to qualify for than conventional loans. They require lower credit scores and typically have lower down payments and closing costs.

FHA loans do require the borrower to carry “two-part” mortgage insurance for the life of the loan. The first part is a percent of the loan paid upfront at closing, while the second is added on to the monthly payment of the loan. However, if good credit is built then an FHA loan can easily be refinanced into a conventional loan, dropping the MI.

FHA loans come in Fixed Rate and Adjustable Rate Mortgages (ARMs), like conventional. They also include a number of different program options. Contact us to learn about which will be best for you.

VA loans offer a unique and beneficial option for U.S. veterans, active-duty service members, and eligible members of the National Guard and Reserves. These loans are backed by the Department of Veterans Affairs, ensuring reliability and safety. One of the most notable advantages is the ability to have zero down payment, which significantly eases the path to homeownership for many who have served in the military. Additionally, the absence of private mortgage insurance (PMI) requirements, typically needed for other loan types with less than 20% down payment, can lead to substantial monthly savings for borrowers.

Another key benefit of VA loans is their competitive interest rates, often lower than those associated with conventional loans. This feature can result in more affordable monthly payments and overall cost savings over the life of the loan. The VA loan program also stands out for its flexible credit requirements, making it accessible even to those with less than perfect credit histories.

VA loans are an amazing option for our U.S. veterans, active-duty service members, and eligible members of the National Guard and Reserves. Our mortgage agents in Salt Lake City, UT thank you for your service!

Private Money Loans sometimes called Hard Money Loans are usually funded by small local businesses or private individuals. They have higher rates, shorter terms and higher fees. Private money loans are asset-based loans that are done quickly usually within a few days with very few questions asked. The property is the lender’s security. Private money lenders need to know how and when they are going to be paid back; they do not want to put their borrowers in a bind. These loans are good for turning purchases that need a quick closings into cash purchases. House flippers also use these loans to buy properties quickly, usually within days, even ones that are in disrepair.

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