Loan Options
A Loan For Every Chapter Of Life
From your first home to your forever home, we offer a full range of loan programs tailored to your goals. Explore your options below and apply whenever you're ready.
Conventional Loans
A common mortgage not backed by a government agency, offering flexible terms for borrowers with steady income and solid credit. Down payments may be as low as 3%.
- Down payments as low as 3%
- No upfront mortgage insurance fee
- PMI may be removable over time
FHA Loans
Insured by the Federal Housing Administration, FHA loans help make homeownership more accessible for those with a lower credit score or a smaller down payment.
- Down payments as low as 3.5%
- More flexible credit guidelines
- Popular with first-time buyers
Jumbo Loans
For homes that exceed conforming loan limits, a jumbo loan provides financing for higher-value properties, with terms tailored to well-qualified borrowers.
- Finance high-value homes
- Terms for strong credit profiles
- Fixed and adjustable options
VA Loans
Guaranteed in part by the Department of Veterans Affairs, VA loans offer eligible service members, veterans, and surviving spouses meaningful benefits and little to no money down.
- $0 down for eligible buyers
- No private mortgage insurance
- Subject to VA eligibility
Lower My Payment
A rate-and-term refinance may lower your monthly payment, adjust your interest rate, or change your loan term based on your goals and current market conditions.
- May reduce your monthly payment
- May adjust your interest rate
- May shorten your loan term
Take Cash Out
A cash-out refinance may let you use your home’s available equity for renovations, debt consolidation, or major expenses by replacing your current mortgage.
- Access available home equity
- Option to consolidate debt
- Fund renovations or expenses
Not sure which loan is right for you? Our family of licensed mortgage professionals will walk you through every option and help you choose with confidence.
Call (888) 908-2626This is not a commitment to lend. All loan programs, rates, and terms are subject to credit approval, income verification, and property eligibility, and may change without notice. Down payment, mortgage insurance, and eligibility requirements vary by program. By refinancing an existing loan, total finance charges may be higher over the life of the loan. Cedar States Lending, LLC · NMLS ID 2257151. Equal Housing Opportunity.
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Our family is ready when you are. Apply in minutes or call to speak with a licensed mortgage professional who genuinely cares.