Government Home Loans

At Mission San Jose Mortgage, we specialize in government loan programs that offer valuable down payment options and unique benefits to borrowers. Our government loan options include:

FHA (Federal Housing Administration) Loans: These loans are highly sought after by first-time homebuyers due to their low down payment options. With an FHA loan, you can secure financing with as little as 3.5% down. We also offer FHA 203k loans, which provide financing for home renovations, and FHA 203b loans, which are available for properties in designated distressed areas.

VA (Department of Veterans Affairs) Loans: Designed for eligible veterans, active-duty service members, and their families, VA loans offer attractive terms and benefits. One of the significant advantages of VA loans is the absence of a down payment requirement. If you are a veteran, this program can help you achieve homeownership with favorable financing terms. Additionally, we offer VA construction loans for those interested in building their dream home.

USDA (United States Department of Agriculture) Loans: If you are looking to purchase a home in an eligible rural area, USDA loans provide low or no down payment options. These loans are specifically designed to make homeownership more accessible in rural communities.

Reverse Mortgage Programs: Tailored for homeowners aged 62 and older, reverse mortgages allow you to tap into the equity in your home. This program provides financial flexibility by allowing you to receive loan proceeds as a lump sum, line of credit, or regular payments, depending on your preference.

Our experienced loan officers have in-depth knowledge of these government loan programs and can guide you through the application process. We will help you understand the eligibility requirements, benefits, and specific terms associated with each program. Whether you’re a first-time homebuyer, a veteran, or seeking financing in a rural area, we are here to assist you in finding the government loan option that best suits your needs.

We proudly serve clients in 12 states across the United States. Our mortgage loan options and assistance programs are available in the following states:

  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Montana
  • New Mexico
  • Oregon
  • Texas
  • Washington
  • Wyoming

Whether you’re looking to purchase a home or refinance your existing mortgage, our experienced loan officers are ready to assist you. We have extensive knowledge of the local real estate markets in these states and can provide tailored solutions to meet your specific needs.

From conventional loans to government-backed programs, portfolio loans, and private money options, we offer a comprehensive range of mortgage products to accommodate various financial situations and goals. Our commitment to exceptional service, clear communication, and professional guidance sets us apart as a trusted mortgage partner.

No matter which state you’re in, our team is dedicated to helping you achieve your homeownership dreams. Contact us today at 888-848-7199 to discuss your mortgage needs and explore the loan options available in your state. We look forward to assisting you on your journey to homeownership.