Our Services

Mortgage Loan Services

VA HOME LOAN | FHA 203K LENDERS ELK RIVER | OTSEGO

Make no mistake, there is quite a bit involved in securing a mortgage loan. It can be a stressful process.However, United Family Mortgage strives to do all the heavy lifting for each of our clients. Your job is to begin packing and preparing to move into your new home; our job is to provide you with an excellent service in areas in which we excel. So let’s get together and go over which of the mortgage plans below will most benefit you. Call United Family now and let’s schedule a consultation.

FHA Approved Lenders | Apply for VA Home Loan | Zero Down Mortgage | Down Payment Assistance | Home Construction Loans Ramsey | Zimmerman | Rogers | Big Lake | Princeton

USDA/Zero Down Mortgages

This mortgage plan provides you with options if you don’t have money for a down payment. While this can be a good thing, it may or may not be right for your specific case. Before you make any further decisions call United Family Mortgage and let’s be sure that you are ready for the serious financial commitments involved in this or one of the other plans described here.

No Down Payment Mortgage | Zero Down Mortgage | Zero Down Home Loans | Home Loans with No Down Payment | 0 Down Mortgage | No Money Down Mortgage | Down Payment Assistance Options Otsego | Ramsey | Elk River | Zimmerman | Rogers | Big Lake | Princeton

VA/DVA (Veteran Administration) Loans

VA Loans are a specific form of Zero Down Mortgages. For this you will need a Certificate of Eligibility which entails multiple requirements including that you have served in the Armed Forces.

Apply for VA Home Loan | VA Home Loan | Veteran Home Loan | Home Loans with No Down | 0 Down Mortgage | No Money Down Mortgage Otsego | Ramsey | Elk River | Zimmerman | Rogers | Big Lake | Princeton

USDA Rural Housing Loan

This plan was designed to help stimulate real estate sales and home buying in rural areas. The flexibility within the guidelines might shock you! Sherburne County has a number of areas where this might be the best fit for you. So be sure to give us a call at United Family Mortgage before making any potentially ill-considered decisions.

No Down Payment Mortgage | Zero Down Mortgage | Zero Down Home Loans | Home Loans with No Down Payment | 0 Down Mortgage | No Money Down Mortgage | Down Payment Assistance Options Otsego | Ramsey | Elk River | Zimmerman | Rogers | Big Lake | Princeton

FHA/Low Down Payment Mortgages

Though this is often referred to “the first time home loan program” it is actually available to anyone. The down payment is 3.5% and it is easier to qualify for this loan than many others.

203K Rehab Loans & Self – Build Construction Loans

This is FHA’s principal program intended to assist in the restoration and rehabilitation of single family properties.

Self – Build Construction Loans, as the name suggests, are loans taken out on the property you are building yourself. Funds are given out in stages rather than in one lump sum.

Conventional/Conforming Loans

Conventional mortgages can be conforming or nonconforming. Conforming loans concede to the terms and conditions instated by the stockholder owned corporations Frannie Mae and Freddie Mac. Call United Family Mortgage to learn more about the differences!