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Mortgage Loan Type Pick a Loan That's Right for You!
Little Down/Little Equity Flexible Terms Easy to Qualify
FHA Loan
Our most flexible loan!  Forget what your grandparents told you about FHA, the new FHA loan has the most flexibility & speed.  Don’t have a perfect credit score or a large down payment?  FHA is your answer.  We underwrite/approve these loans locally in most cases from application to closing in 10 business days. Down payments as low as 3.5% can be borrowed/gifted from relatives/employers.   *Scores down to 580 & lower in some cases, no early pre-payment penalties. Typically our lowest interest rates.  Let’s get started!
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Conventional Loan
Down payments as low as 5% on purchases. No early prepayment penalties. Already have a great credit score?  With flexible terms & premier rates, this could be your answer. Another "in house” product that we underwrite/approve locally in 10 business days in most cases.

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VA Loan
We're honored to help veterans purchase a home. If you have your VA eligibility, you can enjoy easier qualifications & the most flexible terms available. 100% financing.  Like most of our loan products, underwriting approval is handled locally in our office.
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Jumbo Loans
Big time homes deserve big time loans!  These loans are back!  For many years, customers with loan needs above 417K have struggled to find competitive financing options.  Due to iDirect’s Wall Street roots & exceptional financial stability, we are able to offer the most aggressive terms, competitive rates & flexibility.

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USDA or Rural Development is a special government program to encourage and help those interested in purchasing homes in rural areas. USDA backs the loan therefore eliminating the need for a down payment! Loans are easier to qualify for and rates are great. Eligibility is determined based upon credit score, income and property location. To see if a home may qualify, please follow this link.
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About iDirect Home Loans

iDirect Home Loans was established in September 2010. Chris "Chip" Hooker, prior owner of First American Equity Corp. for 14 years, joined iDirect to better service our customers.

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