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
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
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
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
703.352.1716
703.997.6015
Home Savings & Trust Mortgage - NMLS# 192608 | Licensed by the Virginia State Corporation Commission #MC-2440, MD #10674, DC MLB 192608, SC-192608, WV ML-38682, FL MLD1927, NC L-194428 (www.nmlsconsumeraccess.org)
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