
Loan Programs

Conventional Loans
Conventional Loans typically offer lower interest rates and more flexibility than other loans, but they also have stricter qualification requirements (such as a higher minimum down payment).

FHA Loan
Backed by the Federal Housing Administration, FHA Loans have more restrictions than Conventional Loans, but are a good option for buyers with limited savings or lower credit scores.

VA Loans
Created by the Department of Veteran Affairs to help America’s military personal purchase homes, VA Loans are a great no down payment option for qualifying service members.

USDA Loans
Backed by the US Department of Agriculture, USDA Loans provide lower interest rates and no down payment options to incentivize borrowers to purchase houses in less developed, rural areas.

CalHFA Loan Programs
CalHFA Loan Programs offer qualifying California buyers both low interest financing as well as down payment and closing cost assistance.

Utah Housing Corporation Loan Programs
The Utah Housing Corporation, also known as the UHC, is a self-supporting public corporation whose goal is to increase affordable housing opportunities across the state of Utah. The UHC was created by Utah Legislation in 1975 and has raised hundreds of millions of dollars every year since in an attempt to improve our local communities.

IHFA Home Loans
The Idaho Housing and Finance Association, also known as the IHFA, is a self-supporting financial institution that strives to provide funding for affordable housing opportunities in Idaho communities. The IHFA is committed to offering rental assistance, reducing and preventing homelessness, providing homebuyer education, preserving older housing stock, and most popularly: creating residential mortgage products.

WSHFC Loan Program
The Washington State Housing Finance Commission, also known as the WSHFC, is a self-supporting financial institution dedicated to increasing housing access and affordability for the people of Washington.

IHFA Heroes Loan Program
In an effort to show appreciation for Idaho’s essential employees, the Idaho Housing and Finance Association (IHFA) recently launched a new program called the Idaho Heroes Loan Program. The Idaho Heroes Loan Program offers home financing as well as down payment and closing cost assistance to Idaho’s healthcare professionals, firefighters, law enforcement officers, paramedics, teachers, retail workers, and military personnel.

Chenoa Fund Loans
Chenoa Fund is a national down payment assistance program provided through CBC Mortgage Agency, a tribally-owned government organization that strives to increase affordable and sustainable homeownership. The Chenoa Fund provides qualifying homebuyers with Second Mortgage Loans that may fund up to 3%-5% of their down payment on a house.

Medical Professionals Loan
The Medical Professionals Loan Program is a nationwide home financing and assistance program that was recently developed to help eligible medical professionals achieve homeownership. With expanded qualification requirements and no down payment options available, the Medical Professionals Loan Program is a great option for borrowers with limited savings or substantial student loans.

AmeriHome Jumbo Loans
An AmeriHome Jumbo Loan is a type of mortgage used to finance properties that the Federal Housing Finance Agency (FHFA) or Federal Housing Administration (FHA) deem too expensive. Every year, both agencies set maximum loan amounts for conforming Conventional and FHA Loans based on location. If you want to purchase a home that exceeds your local limit, an AmeriHome Jumbo Mortgage, also known as a non-conforming loan, may be a good option for you.

Arizona Home Plus
Created by the Arizona Industrial Development Authority (a non-profit organization dedicated to helping Arizona borrowers), Arizona Home Plus is a unique mortgage option that provides eligible homebuyers with both a traditional home loan and a separate down payment/closing cost assistance loan at the same time.

Colorado Housing Finance Agency (CHFA) Home Loans
The Colorado Housing Finance Authority, also known as the CHFA, is a government agency dedicated to improving Colorado by investing in affordable Colorado housing and Colorado community development. The CHFA offers eligible Colorado residents a variety of financial resources to strengthen homeownership, affordable rental housing, and businesses.

VA Cash Out Refinance Loans
VA Loans were originally created to help America’s military personnel achieve homeownership, but existing homeowners who meet certain standards may also be able to use a special type of VA Loan – a VA Cash-Out Loan – to refinance their home as well.

Jumbo Loans

30 and 40-Year Fixed Rate Interest-Only Home Loans
