What We Offer

Imagine Home Lending wants to offer you loan options that best suit your family, goals, needs, and budget. 

 3% down payment. Flexible terms with fixed or adjustable rate.

3% down payment. Flexible terms with fixed or adjustable rate.

Conventional Loans: 

Key features:

Down Payment is a minimum of 3%. Offers flexible terms - 10, 15, 20, 25, and 30 year fixed rate. 3/1 and 5/1 Libor Adjustable Rate.

Eligible properties are 1 to 4 unit properties, Fannie Mae/Freedic Mac - eligible condos, planned unit developments, and modular homes. Transactions types include purchase, rate/term refinance, and cash out. Up to 6% seller concessions. 

 

 VA Loans. Adjustable or Fixed rates

VA Loans. Adjustable or Fixed rates

va loans

The Veterans Administration loan program enables veterans and active duty personnel to purchase or refinance a home with favorable loan terms.

Key features: 

15 or 30 year fixed rate, 3 or 5 year adjustable rate, no down payment per VA county limit, seller assistance may be available, loan amount up to 729,750, low minimum credit score, 95% cash-out refinances available. 

Eligible Properties* are 1 to 4 unit properties, planned unit developments, and condos. 

*Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.


 USDA Loans. Zero Down Payment.

USDA Loans. Zero Down Payment.

USDA loans

USDA Loans are committed to the growth of the rural community. 

Key features:

No down payment required, 30 year fixed rate, no selling concession limits, available to 1 unit properties, condos, and planned urban developments. 

Property elligibility and income requirements. 

 


 FHA Loan. 3.5% Down Payment. No credit check required.

FHA Loan. 3.5% Down Payment. No credit check required.

FHa loans

Key features:

Minumum 3.5% down payment, 10, 15,20,25, or 30 year fixed rate, maximum 6% seller contributions, eligible properties are 1-4 units or planned unit development. 

Transaction type can be purchase, rate/term refinance, cashout refinance, or streamline refinance. 

Borrower can qualify without credit score. 


 Homes for Heroes Program. Loan options for public service. Discounts and rebates to qualified buyers.

Homes for Heroes Program. Loan options for public service. Discounts and rebates to qualified buyers.

Homes for Heroes® is a company that affiliates with Realtors®, lenders and other real estate-related service providers who offer substantial rebates and discounts to the Heroes who serve our nation and its communities every day.

Wondering if you qualify to be a hero? Read more about our Homes For Heroes loan program...