Our Mortgage Programs

Best Rate USA provides a variety of mortgage programs and loan options for everyone from first-time homebuyers to experienced real estate investors.

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    Conventional Mortgages

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    FHA Mortgages

    Federal Housing Administration mortgages are insured by the federal government and have more relaxed credit-qualifying and down payment guidelines than conventional loans. FHA loans have interest rates that remain competitive with those of conventional loans, and they are also available with fixed or adjustable rates.

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    VA Mortgages

    These mortgages are guaranteed by the U.S. Department of Veterans Affairs (VA). The basic intention of the VA home mortgage program is to supply home financing to eligible veterans of the U.S. military and help them purchase properties with no down payment.

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    Jumbo Mortgages

    When a home loan does not exactly meet current Fannie Mae or Freddie Mac guidelines, specifically when the loan exceeds the maximum loan amount of $417,000 for a first mortgage on a single family home, it becomes a jumbo mortgage. We offer jumbo loans with fixed or adjustable rates.

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    HARP Loans

    The Home Affordable Refinance Program (HARP) is designed to provide a refinance option for homeowners who have been current on their mortgage payments but have little to no equity or are underwater on their homes. We have HARP refinance loan terms available in 30, 20, and 15-year fixed rates.

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    USDA Loans

    A USDA home loan is a mortgage offered to rural property owners by the United States Department of Agriculture. USDA loans offer 100% financing opportunities to qualified buyers and properties, they allow for all closing costs to be paid by the seller or financed into the loan, and they offer access to today’s best mortgage rates.

 
 

Got questions? We have answers!

Get in touch with us today for any mortgage concerns.

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