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Residential Homes by the lake



Happy Family


A conventional mortgage is a home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies.

New House Family


An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). FHA insurance protects mortgage lenders, allowing them to offer loans with low interest rates, easier credit requirements, and low down payments (starting at just 3.5%).

New Baby Family


The USDA Loan was designed to facilitate rural development. USDA Loans are guaranteed by the United States Department of Agriculture. They are available with no down payment and the option to finance the 1% funding fee and other closing costs.

Military Family


Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost. The VA loan asks for no down payment, requires no mortgage insurance, and has lenient rules about qualifying.

Loving Family


A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using your assets as income.

Senior Couple


A reverse mortgage is a home-equity loan for individuals who are over the age of 62 provided by the US Department of Housing and Urban Development. A homeowner may use a reverse mortgage to convert equity into tax-free cash. The homeowner does not have to make a mortgage payment, sell the property, or give up title to their house.

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