Loan Products

We are dedicated to finding the right smart loan to meet your unique needs.


Government Loans

  • 100% VA loans (*based on Veteran’s entitlement)
  • Disabled Veterans get waived Funding Fees
    FHA loans with as little as 3.5% down payment
  • FHA loans with credit scores down to 580
  • USDA loans up to 100% financing in rural areas
  • Community bond programs as available
Family moving

Conventional Loans

  • Low Down Payment options
  • First-time homebuyer programs (you are considered a first-time homebuyer if you have not owned a home in the last 3 years)
  • First & Second combination loans
  • Refinance loans: rate term and cash-out options
  • Investment property loans
row of houses

We have Access to

  • DSCR loans
  • 12-month bank statement loans
  • ITIN loans
  • Jumbo loans with 20% down to $2,500,000

Please call your HSTM Loan Officer to confirm program guidelines and eligibility.

Opening Doors For Our Nation’s Heroes


Home Savings & Trust Mortgage

3701 Pender Dr. STE 150, Fairfax, VA 22030

911 Paverstone Dr. Unit A, Raleigh, NC 27615

2010 South Tryon St. STE D, Charlotte, NC 28203




Loan Products

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