Just as one shoe size doesn’t fit everyone, one loan type doesn’t fit everyone’s unique financial circumstances. We take the time to thoroughly discuss your needs, goals, and financial situation to help identify a loan program to best fits your needs.

Navigating the home loan process can be scary foreign territory, but thankfully, it’s easier when there are plenty of options to choose from under the guidance of an experienced team. Take a look at all the options we offer below and see how possible — and affordable — home loan financing can be.

A conventional loan is one that is not insured or guaranteed by the federal government. These loans are often more common among customers who have purchased a house before and are in a position to meet a narrower set of qualification requirements.

Conventional loan lending guidelines require the borrower to have debt-to-income ratios and credit scores within a specified range, and the ability to show stable income.

Those who meet these qualifications and want to opt out of private mortgage insurance (PMI) can do so by putting 20% down on the home at closing, which lowers their monthly payments.

The government understands that everyone needs a place to live but that not everyone can meet the standards of a conventional loan. So, the Federal Housing Administration (FHA) insures home loans to expand homeownership opportunities to more borrowers.

These loans require the borrower to occupy the home as their primary residence. The loan amounts are capped, and the borrower is required to purchase mortgage insurance in case the home falls into foreclosure. Nonetheless, FHA loans are a great option for people who never thought they would be able to otherwise qualify for a loan.

The VA loan program is made available by the government exclusively to veterans as a way of thanking military members and their families for their service to the country. These loans make it easier for retired and active-duty members to buy a house or refinance a current mortgage loan, as VA loans offer less restrictive qualification guidelines, low down payment minimums, minimal closing costs, and do not have loan amount caps nor require private mortgage insurance (PMI).

The Guaranteed Rural Housing Loan Program is administered by Rural Development, an agency of the United States Department of Agriculture (USDA) . Loans are to assist low and moderate income households through the guarantee of loans made by Direct Lenders for the acquisition of single family new or existing homes in eligible rural areas.

Over two decades ago, our leaders started their journey in the mortgage industry and discovered gaps in the traditional mortgage experience. They noted that customers weren’t getting the best care possible because of unclear and outdated processes that interfered with transparency and communication.

As they navigated varying cycles typical to the mortgage industry, worked for large brands, and gained valuable experience through events like the 2008 financial crisis, they grew their reputation and found that customer service is what resonated with customers the most.

Years later, they came together to establish Mission Loans — the industry’s missing piece. Mission Loans is on a mission to master the customer experience of the mortgage process. Our goal is to be more customer-centric than any mortgage company in the country.