| Mortgage Loan Type |
Pick a Loan That's Right for You! |
| Little Down/Little Equity |
Flexible Terms |
Easy to Qualify |
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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 Loan 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.
eligibility.sc.egov.usda.gov
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