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FHA, VA & Conventional Home Loans

Home > Borrow > FHA, VA & Conventional Home Loans

Home > Borrow > FHA, VA & Conventional Home Loans

Dream homes come in all sizes, what’s yours?

When you invest in a home it takes on personal meaning. We get that. That's why U1 is here to help secure yours.

Buying a home has never been easier. We are with you every step of the way and provide a faster, more technologically advanced way to finance your home. See how simple the mortgage process can be and where you need to start!

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Mortgage types

Conventional Mortgage

Conventional loans are any mortgage loans that are not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

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FHA Mortgage

FHA loans are government-insured and backed by the Federal Housing Administration and offered by FHA-approved lenders. Mortgage insurance is mandatory with FHA loans.

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VA Mortgage

A VA mortgage loan is available through the U.S. Department of Veterans Affairs for service members, veterans, and their surviving spouses.

Apply Online

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Requirements needed to apply

  2 years w-2s.

  30 days of paystubs (4 weekly paid, 2 for biweekly).

  If you have retirement income, we will need your yearly award letter. 

  If you have social security income, we will need the yearly award letter.

  2 months of bank statements. 

  Homeowner's Insurance Quote if purchasing or declaration page if refinancing. 

Fixed Rate Vs. Adjustable Rate

Fixed Rate

Fixed Rate

The mortgage rates do not change for the term of the loan. Your monthly payments will remain the same throughout the life of the loan.

Adjustable Rate

Adjustable Rate


If you're looking for lower initial monthly payments or plan on being in your home for short term, an adjustable rate mortgage can be beneficial. The rate can fluctuate up or down after the initial rate expires.


Discover helpful Tips for advice on the best time to buy a home and what steps to take when applying for a mortgage loan.

Questions about buying a home or finding the right mortgage for you? Send us a message for advice on the best time to buy a home and what steps to take when applying for a mortgage loan.  |  800-762-9555 ext 424  |  NMLS #652486

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All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rates and terms subject to change.

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