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Loan Programs

Loan Programs

Mortgage options are nearly as varied as the wants of homebuyers themselves. The expansive, diverse history represented by our team members enables us to provide the most expert partnerships for homebuyers navigating any loan type.

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Available Loan Programs

First Time Homebuyer

These loans are great when you’re first starting out because of the options for low down payments that may allow for gifts from family members. Homeowner education helps you understand and manage the financial commitments of home ownership. Often, special options to partner with State and local housing authorities are available as well.

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Home Refinance

Refinancing gives you a new mortgage to replace your original mortgage. Often the new loan provides you with a better interest rate to lower monthly payments, remove mortgage insurance or take equity out of your home, also known as “cash out refinance”.

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VA Loans

This specialty loan provides flexible qualifying guidelines for eligible veterans and other eligible borrowers. VA loans may include financing the VA funding fee and obtaining the loan with no down payment. Mortgage insurance is not required with a VA loan.

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FHA Loans

FHA Loans allow lower down payments, lower rates and more lenient underwriting qualifications because they are insured by the Department of Housing and Urban Development (HUD). An FHA loan requires up front mortgage insurance as well as monthly mortgage insurance, but can be a great product for first time home buyers.

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Jumbo Loans

The perfect loan if you need a mortgage amount that exceeds the conforming (conventional) loan limits set by Fannie Mae and Freddie Mac. Similar to conventional loans, Jumbo loans offer terms of 15, 20 or 30 years with mortgage insurance options for less than 20% down.

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Conventional loans work well if you are looking to purchase or refinance a home loan and have at least a 5% down payment that is not guaranteed or insured by the federal government. Conventional loans come with the choice of 15, 20 or 30 year terms. If you have less than a 20% down payment, you will need mortgage insurance.

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From The Blog

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October 15, 2019

Misconceptions of a VA Loan

VA loans tend to get a bad rap. Many buyers, realtors, and even some lenders, consider them to be confusing and unattractive to sellers. We’re here to dispel some of these VA Loan misconceptions and set the record straight. What We Hear: Sellers think VA loans are a hassle. The Reality: Some sellers have the misconception that a VA appraisal takes too long to come through and that the appraisers tend to be picky about condition of the property. This isn’t necessarily true. At CB&T Mortgage we see appraisals come through in ten business days, which is standard turnaround for any loan type. Additionally, the “pickiness” of the appraisal is not dependent on the loan type, it is usually dependent on the Appraiser assessing the property. What We Hear: I can only use my VA eligibility once. The Reality: A Veteran can potentially use his/her VA Eligibility more than once. …