Home Purchase Loans
Turning homeownership dreams into reality with tailored
mortgage solutions and unmatched service
At Choice Mortgage Group, we understand that buying a home is one of life’s biggest milestones—whether it’s your first, your next, or your forever home. As homeowners ourselves, we know what it takes to make this process not only successful, but simplified, supportive, and truly personal.
Know Your Loan Options
Knowing what type of home loan works best for your situation is key to making confident decisions. We’re here to guide you every step of the way with loan programs designed to fit a variety of goals, needs, and financial situations. Most home purchase loans fall into three main categories:
Conventional Loans
Conventional loans are a popular choice for homebuyers who meet the requirements set by the Federal Housing Finance Agency (FHFA). With down payment options as low as 3% and flexible terms, they’re a great fit for many borrowers looking to finance a primary home, second home, or investment property.
- Low down payment options
- Competitive interest rates
- Flexible term and property types
Government-Backed Loans:
FHA, VA & USDA
These loans are backed by federal agencies to help make homeownership more accessible for eligible buyers.
- FHA Loans are ideal for first-time buyers or those with lower credit scores.
- VA Loans offer 0% down and no PMI for qualified veterans, active-duty service members, and eligible spouses.
- USDA Loans are designed for homes in eligible rural areas and require no down payment.
Each of these loan programs comes with specific benefits—and our team will help you determine which one aligns with your goals.
Jumbo Loans
Shopping for a luxury property or home in a high-cost area? A jumbo loan is a loan amount over the conventional limit of $806,500. Whether it’s a primary residence, second home, or investment property, our jumbo loan options provide flexible, tailored solutions with white-glove service every step of the way.
Fixed vs. Adjustable Rate Loans
You’ll also have the choice between a fixed-rate or adjustable-rate mortgage (ARM)depending on your long-term plans:
Fixed-rate mortgage
- Ideal if you plan to stay in your home long-term and want stable monthly payments.
VS
Adjustable-rate mortgage
- Offers lower initial payments and may be a great option if you plan to move or refinance within a few years.
When Should You Start the Homebuying Process?
Sooner than you think.
We recommend connecting with a Choice Mortgage Group loan officer 6–12 months before you plan to buy. This gives us time to understand your goals, review your credit, and prepare you to make a strong, confident offer when the right home comes along.
Why Work with Choice
Mortgage Group?
We’re committed to delivering outstanding service that exceeds expectations, fulfilling dreams with honest, tailored mortgages, and creating a client experience you’ll feel proud to refer. With empathy in every mortgage and a strong focus on your journey, we’re here to simplify every step—with white-glove care, clear communication, and real people who have been in your shoes.