Loan Programs

We offer a wide array of mortgage products to meet your specific needs. Explore your options below.

Government-Insured

Insured by the Federal Housing Administration. Low 3.5% down payment, flexible credit requirements. Great for first-time buyers.

Guaranteed by the Department of Veterans Affairs. Zero down payment, no PMI, competitive rates. For eligible veterans and active-duty military.

Zero down payment for eligible rural and suburban properties. Backed by the U.S. Department of Agriculture.

Fixed or adjustable-rate options with as little as 3% down. Strong option for well-qualified buyers with solid credit.

For loan amounts exceeding conforming limits. Competitive rates for high-value properties up to several million dollars.

Fannie Mae-owned property financing with low down payment options and flexible terms.

Your interest rate stays the same for the entire loan term. Predictable payments — the most popular choice.

Lower initial rate that adjusts after a fixed period. Good if you plan to sell or refinance within a few years.

Pay only interest for a set period, lowering initial payments. Ideal for certain financial strategies.

Explore grants and programs designed to help reduce your upfront costs when buying a home.

Alternative financing options for unique situations where traditional lending may not apply.

Financing solutions for commercial real estate properties and investment purposes.

Looking for multifamily or investment properties to finance? Explore available properties through Halifax Properties & Investments.

We'll walk through your options and help you choose the best program for your situation.