Check Out Our Loan Programs
When you begin the journey to homeownership, there’s a lot to think about. The most important one is which loan program is right for you – especially with so many options available.
Our Loan Programs That are Best for You
Conventional Loans
Most conventional mortgages have either fixed or adjustable interest rates. Typical fixed interest rate loans have a term of 15 or 30 years. A shorter-term loan usually results in a lower interest rate.
FHA Loans
FHA home loans are insured by the Federal Housing Administration and designed for low- to moderate-income homebuyers. They require lower credit scores and a low down payment, making qualifying easier.
USDA Loans
USDA loans make purchasing a home in a rural location more affordable for low- to moderate-income homebuyers. The area the home is located must meet rural designation criteria set by the U.S. Department of Agriculture.
VA Loans
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are available to Veterans, Reservists, Active-Duty Personnel, and surviving spouses of Veterans (based on a military entitlement). VA loans offer many advantages, such as reduced interest rates, no down payment, limited closing costs, and more. Thank you for your service!
- Jumbo Mortgage Programs Greater Than $647,000 for Conventional or VA
- Debt Consolidation Refinances for Conventional, VA, or FHA
- Rate and Term Refinances
- Alternative Credit Programs
- Non-Owner Occupied and Second Home Loans
- Manufactured Housing Loans for Conventional, FHA, or VA
- Modular Housing Loans for Conventional, FHA, VA, or USDA
- Fannie Mae Automated Underwriting
- Freddie Mac Automated Underwriting
- In-House Processing Staff
- In-House Underwriting Available on Most Products
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CONTACT INFORMATION
Shelby 704-482-2588
824 S. Dekalb St Shelby, NC 28150
Rutherfordton 828-332-3009
193 Railroad Ave Rutherfordton, NC 28139
Denver 704-526-4831
3154 NC-16 Denver, NC 28037
Mon - Fri 9: 00 am - 5:00 pm
Contact One of Our Loan Officers
Disclaimer: Copyright © 2022. Homestar Financial Corporation 332 Washington St. NW, Gainesville, GA 30501. NMLS #70864. For licensing info:
NMLSconsumeraccess.org. This is not a commitment to lend and not all customers will qualify. All terms, information, conditions, rates, and programs are subject to credit and property approval and may change without notice. Not all products are available in all states. Certain other restrictions may apply. Homestar Financial Corporation is an equal housing lender and is not affiliated with any government entity.