At Landmark Professional Mortgage we offer “conventional loans” which for many people are the ideal loans. Conventional loans have certain advantages – primarily, the fact that mortgage insurance is much lower than the mortgage insurance on other types of loans. If you plan on putting a 20% down payment on your loan then mortgage insurance is completely eliminated. Of course, you can also put down as little as 5% on conventional loans in which case your low mortgage insurance would drop off once you reached 20% equity in your home. If you are in the market for a conventional loan, as your mortgage broker, I will find you the lowest interest rates available and strive to keep your closing costs as low as possible!

At Landmark Professional Mortgage we offer “FHA loans”. The great benefit of FHA loans is the fact that you can put down as little as 3.5% on your home purchase. This is a very enticing loan for first time home buyers who don’t have any more than 3.5% to put down. FHA loans do come with mortgage insurance for the life of the loan but that amount is partly made for with the lowest available interest rates and the fact that you don’t have to put down a large down payment. The fact is that the government wants to encourage home ownership and FHA loans are their way of showing this. If you are in the market for an FHA loan, as your mortgage broker, I will find you the lowest interest rates available and strive to keep your closing costs as low as possible!

At Landmark Professional Mortgage we offer “USDA loans”. USDA loans are often times called “rural” loans because they are designated for more rural locations. “Rural”, however, does not always mean out in the middle of nowhere – for example, much of Camas, WA is located in a designated USDA loan area. The great benefit of USDA loans is that they are 0% down loans. There are income requirements as well to USDA loans. As your mortgage broker I’d be very happy to see whether your home purchase meets the USDA requirements, I will find you the lowest interest rates available and keep your closing costs as low as possible!

In America we love our military veterans and to show this the government allows us to offer VA loans. There are requirements for how long you have to have served in the active military or in the National Guard to obtain this type of loan. If you meet the requirements the primary benefits that you get are 1) 0% down payment…2) No mortgage insurance and 3) very low interest rates. This loan is impossible to beat and, again, it is to show an extra appreciation to our military veterans. As your mortgage broker, it would be my privilege to help you – as a military veteran or member of the National Guard – obtain a VA loan and to find you the lowest interest rates available and the lowest closing costs available.