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Loan Programs
At The Home Loan Company, we offer a wide range of loan options to fit your unique needs. Whether you’re a first-time home buyer, a veteran, an investor, or a self-employed borrower, we’re here to guide you through the process with expert advice and personalized solutions.
First-Time Homebuyer Programs
Buying Your First Home? We’ll Make It Easy!
Purchasing your first home is exciting—but it can also feel overwhelming. That’s where we come in! We simplify the process, guiding you step by step to secure a loan that fits your budget and lifestyle.
🔹 Low Down Payment Options (as little as 3.5%)
🔹 Flexible Credit Score Requirements
🔹 Access to First-Time Homebuyer Programs & Grants
💡 Let’s make your dream home a reality!
VA Loans
Exclusive Home Loan Benefits for Veterans & Active Military
VA loans are designed to honor our veterans with zero down payment options, low-interest rates, and flexible credit requirements.
🔹 No Down Payment Required
🔹 No Private Mortgage Insurance (PMI)
🔹 Competitive Interest Rates & Flexible Guidelines
💡 You’ve served our country—now let us serve you!
FHA Loans
Affordable Homeownership with Flexible Credit Options
FHA loans are perfect for first-time buyers or those with lower credit scores, offering a low down payment and government-backed security.
🔹 Down Payment as Low as 3.5%
🔹 Flexible Credit Score Requirements (580+ Accepted)
🔹 Easier Approval Process Compared to Conventional Loans
💡 Buying a home just got easier!
FHA Loans
Zero-Down Financing for Rural & Suburban Buyers
USDA loans make homeownership affordable for buyers in rural areas by offering 100% financing with low-interest rates.
🔹 No Down Payment Required
🔹 Lower Mortgage Insurance Rates
🔹 Designed for Eligible Rural & Suburban Properties
💡 A great option for those looking to buy outside city limits!
Conventional Loans
Competitive Rates for Buyers with Strong Credit
A conventional loan is a great choice if you have good credit and stable income, offering lower interest rates and flexible terms.
🔹 Low Down Payment Options Available (3-20%)
🔹 Competitive Interest Rates
🔹 More Property Types Eligible (Condos, Second Homes, Investment Properties)
💡 A trusted option for those looking for flexibility and savings!
Non-QM Loans
Flexible Mortgage Solutions for Self-Employed & Unique Borrowers
If you’re self-employed, have irregular income, or need an alternative to traditional financing, a Non-QM loan offers flexible approval options.
🔹 No Tax Returns or W-2s Required
🔹 Bank Statement & Asset-Based Loan Options
🔹 Great for Real Estate Investors & Entrepreneurs
💡 Perfect for business owners, freelancers, and those with non-traditional income!
Commercial Loans
Financing for Business Growth & Real Estate Investments
If you’re expanding your business or investing in commercial real estate, we offer tailored loan solutions to help you scale.
🔹 Loans for Multifamily, Retail, Office, & Industrial Properties
🔹 Flexible Repayment Terms & Competitive Rates
🔹 Financing Available for New Purchases & Refinancing
💡 Fuel your business with the right funding strategy!
Hard Money Loans
Fast, Short-Term Financing for Real Estate Investors
Need quick funding for a fix-and-flip or short-term investment property? Hard money loans provide fast cash flow with less red tape.
🔹 Quick Approvals & Fast Funding
🔹 Flexible Credit Requirements
🔹 Perfect for Flippers, Developers, & Short-Term Investors
💡 Access capital when you need it most!
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