Loan Programs
Find the Right Loan for Your Family
Every family is different. I'll help you understand your options and choose the program that fits your goals, your budget, and your timeline.
One of the most powerful benefits for military families
VA Loans
VA loans are one of the most powerful benefits available to service members, veterans, and eligible surviving spouses. I've helped hundreds of military families use this benefit — and I'd love to help you too.
Key Benefits
- ✓$0 down payment required
- ✓No private mortgage insurance (PMI)
- ✓Competitive, below-market interest rates
- ✓More flexible credit requirements
- ✓Seller can pay closing costs
- ✓Reusable — use it again and again
- ✓No prepayment penalties
Who Qualifies?
Active duty service members, veterans, National Guard & Reserve members with qualifying service, and some surviving spouses. You'll need a Certificate of Eligibility (COE) — I can help you get it.
💡 Kate's Note
I offer NO origination, underwriting, or processing fees for VA new construction buyers. That's money back in your pocket.
Perfect for first-time buyers
FHA Loans
FHA loans are backed by the Federal Housing Administration and designed to help buyers who may not have a large down payment or perfect credit. They're one of the most popular options for first-time homebuyers.
Key Benefits
- ✓Down payment as low as 3.5%
- ✓Credit scores from 580 accepted
- ✓Gift funds allowed for down payment
- ✓Flexible debt-to-income ratios
- ✓Fixed and adjustable rate options
- ✓Available for primary residences
Who Qualifies?
First-time and repeat buyers with a credit score of 580+ and a steady income. Even if you have student loans or other debt, there's often a path forward.
💡 Kate's Note
Many of my first-time buyers start with FHA. I'll walk you through every requirement and make sure you're set up for success.
A solid choice for strong credit
Conventional Loans
Conventional loans aren't backed by a government agency, which means they can offer more flexibility in terms and property types. They're a great fit for buyers with good credit and some savings.
Key Benefits
- ✓Down payment as low as 3%
- ✓No upfront funding fee
- ✓PMI removable once you reach 80% equity
- ✓Wide range of property types eligible
- ✓Fixed and adjustable rate options
- ✓Competitive interest rates
Who Qualifies?
Buyers with a credit score of 620+ and stable income. The stronger your credit, the better your rate.
💡 Kate's Note
Conventional loans are straightforward and flexible. If you've been saving and have decent credit, this might be your best bet.
Zero down in rural & suburban areas
USDA Loans
USDA loans are designed for buyers in eligible rural and suburban areas. Many neighborhoods around Clarksville qualify — and you might be surprised how many options are available.
Key Benefits
- ✓$0 down payment required
- ✓Lower mortgage insurance than FHA
- ✓Below-market interest rates
- ✓Flexible credit guidelines
- ✓Can finance closing costs into the loan
- ✓Available for primary residences
Who Qualifies?
Buyers purchasing in USDA-eligible areas with household income at or below 115% of the area median. Many suburban neighborhoods around Clarksville and Fort Campbell qualify.
💡 Kate's Note
Don't assume you won't qualify — many of my clients are surprised to learn their dream neighborhood is USDA-eligible. Let's check together.
Not Sure Which Program Is Right for You?
That's exactly what I'm here for. Let's have a quick, no-pressure conversation and figure it out together.
Start Your Pre-Approval