Loan Programs

Home Mortgage Loan options that meet your needs. With 5 Star Service in Huntsville, AL. For questions of the programs that we offer, please contact us at 256-542-1517.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Conventional Loans

Conventional Loans are used for home purchases or refinancing an existing home. Generally, Conventional Loans require a higher credit score of a 660+

VA Loans

VA Home Loans are for Veterans and offer 100% financing with no monthly PMI. Common VA loan terms are 30 yr and 15 yr Fixed.

Construction Loans

These loans are used to build new homes. This loan is a line of credit that you draw off of to pay the builder as the home is being built. These are One Time Close Construction to Permanent Loans.  

First Time Home Buyer Loans

First Time Home Buyer Loans are loans that have a reduced down payment and lower or no monthly PMI. 

FHA Loans

FHA Loans offer lower down payment requirement as low as 3.5%. And offers higher debt to income ratios. 

Physician Loans

Physician Loans offer 100% financing with no PMI for Medical Doctors, Doctor of Osteopathic Medicine, Dentist, Vetinarians, and those that are currently in residencies. 

Land Loans

This Loan Program allows you to purchase a lot or some land up to 25 acres to build a home on within the first 3 years of ownership. 


Refinancing a home loan that you currently own is a great way to lower your payment or to consolidate debt or to pull cash out to renovate. 

100% First Time Home Buyers Loan

100% Financing for First Time Home Buyers. Click here for more information.