UP TO 96.50% FINANCING!  FHA loans are ideal for, but not limited to, first time homebuyers. They are made only by approved private lenders such as TCM, and insured by the Federal Housing Administration.  Down payments can be in the form of gifts, grants, or subordinate financing.  These loans can be either fixed or adjustable interest rate, with 30-year repayment terms.  FHA loans are assumable loans and has NO Prepayment penalty. 

VA 100% FINANCING!  Available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements, VA mortgages may be provided with no down payment, making them ideal for first-time borrowers.  VA loans are made by approved lenders, such as T&CM and guaranteed by VA. Closing costs are regulated for the protection of the Veteran. VA loans are also assumable with release of liability and there are no prepayment penalties.

 
100% FINANCING!  USDA Rural Development’s Guaranteed Rural Housing (GRH) Loan Program assists buyers looking to purchase a home outside a major metropolitan area. USDA loans are ideal for, but not limited to, first time homebuyers.