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Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for!

Contact us today to start a conversation about which loan option is right for you. We don't believe that one size fits all, so you can finance your home knowing that you can relax. We've got this!

 

What everyone does but we do better:

 

Conventional

Conventional home loans are loans that are not guaranteed by a government agency and are available in fixed and adjustable interest rates with varying terms.

FHA*

Federal Housing Administration (FHA) backed loans offer low down payment options and flexible eligibility requirements. For first time homebuyers or those who don’t have the best credit, the FHA program can make your homeownership dreams a reality.

VA*

Take advantage of your status as an eligible veteran and purchase or refinance your home with the VA Loan Program. When you finance a VA loan through Silverton, you’ll pay no lender fees.

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USDA*

USDA loans offer no down payment options for eligible borrowers purchasing a home in qualified rural areas.

Jumbo Loans

Our Jumbo loan gives you low down payment options for high-value properties.

HomeReady® Mortgage

With a low down payment, reduced private mortgage insurance, and no minimum borrower contributions, this option can be perfect for first-time homebuyers!

 

What we do that your average lender doesn't:

 

Silverton Secure+

You can send your loan through underwriting and secure approval even before you find a property, giving you and potential sellers the security you need to compete with cash buyers. Ask us about our on-time closing guarantee! Click here to learn more.

MH Advantage®

Millions of people across America are in need of both affordable housing AND flexible financing. As a result, Silverton offers a comprehensive loan option for CrossMod™ manufactured homes: MH Advantage®. Click here to learn more.

Homes for Heroes®

A program designed to offer savings opportunities to certain eligible community heroes, such as: teachers, firefighters, EMS, law enforcement, military, and healthcare professionals. Proof of eligibility required and not available in all states.

Down Payment Assistance

From grants to forgivable loans, there are many programs that give eligible borrowers the assistance to fund down payments and/or closing costs. Some programs may require repayment.

 

What we do to help you build or renovate your dream home:

 

Renovation Loans

Whether you're saving a deal with repair contingencies or helping to update a home to meet your evolving needs, our renovation loan programs allow you to finance the cost of the home and potential renovations/repairs all in one go.

Construction-Permanent Loan

Discover the power of one. Take the stress out of your new construction or home renovation with one loan and one closing, saving both time and money. Click here to learn more.

 

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL

 

*Silverton Mortgage is authorized to originate FHA, VA, and USDA loans, but it is not an agent of, or affiliated with, the U.S. Government.
HomeReady® is the registered servicemark of the Federal National Mortgage Association. Homes for Heroes® is the registered servicemark of Homes for Heroes, Inc.

 

Click on a product from the list below to learn more about it.

Silverton Secure
Secure your mortgage before
even finding a property
Compete with All-Cash Offers. We'll fully underwrite your loan before find a home. Helping you close even faster!
Conventional Purchase
3% down payment
One of the most versatile mortgages. Great for seasoned purchasers or even first-time home buyer!
FHA
3.5% down payment
Great for first-time homebuyers allowing for low down payments and less than perfect credit.
VA
100% financing for qualified
veterans, no monthly MI
Great option for our military veterans. 0% down and no monthly M.I.? Sign me up!
HomeReady Mortgage
3% down, reduced PMI
No minumum borrower contribution
An affordable low down payment program designed for creditworthy low- to moderate-income borrowers.
USDA Rural Financing
100% financing
Designed properties located in rural areas allowing for 0% down!
Jumbo Loans
Loan amounts over $417,000
As little as 10% down
Made for loan amounts that exceed conventional financing limits, which depending on the area can be over $417,000.
Piggyback
Fixed second up to 95%
A second mortgage can help you to avoid PMI or combine it with a Conventional loan for an alternative option to Jumbo.
FHA 203K
Renovation or repair up to
110% LTV of the after improved value
Ideal for the home in need of a little TLC. New kitchen, floors, bath? Let's do this!
Construction & Renovation
As little as 10% down
Wanting to build a new home or renovate/improve an existing one? We can help!