A conventional loan is a home loan for individuals who have steady income, good credit and have funds available for a down payment. A conventional loan requires a 5% down payment. A conventional loan is not insured by the federal government (like USDA, FHA and VA loans) and can be the preferred route to home financing for many home buyers and those purchasing investment property.
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FHA and USDA home loans are government sponsored loans that require smaller down payments than conventional home loans and the underwriting guidelines are more forgiving than conventional. Most FHA loans only require only a 3.5% down payment while most USDA loans do not require one at all.
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First and foremost, than you for your service. We appreciate the sacrifices you and your family have made to serve.
One of the best loan programs available today is the VA Home Loan. Up to 100% financing in most cases without mortgage insurance and reduced closing costs. If you are a veteran or currently in the military, you may qualify for this incredible loan program.
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Hello, my name is Mark Zachary. I’ve been in the mortgage business for more than 20 years. I originally started my career as a loan officer for a mortgage broker in Houston. A few years later, I decided to open my own company based in Austin. I’ve held several positions during my career ranging from a Mortgage Loan Officer to Regional VP for the largest mortgage lender in the country.
When I’m not assisting with financing of new homes, I enjoy spending my free time with my family. My wife, Julie, is a Librarian in the Klein ISD and is a University of Texas graduate. My Oldest daughter, Katie, is in Physician Assistant Graduate School in West Virginia and my youngest daughter, Emilie, is a Senior at Texas A&M. I am a Southwest Texas State University (now Texas State University) graduate.
If I can be of service to you or anyone you know looking to buy, sell or refinance a home, it would be my pleasure to serve you.
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Start your home buying process here! Get Pre-Qualifed by applying online. Save valuable time and know before you go.