Loan Products
We are dedicated to finding the right smart loan to meet your unique needs.
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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
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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 row of houses](https://hstmortgage.com/wp-content/uploads/2024/04/row-of-houses.jpg)
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.
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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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