Service Plus Mortgage Inc offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
FHA
VA
Conventional
DPA - Down Payment Assistance Programs
Non-Conventional

FHA
The Federal Housing Administration has put together many programs helping people to both buy and refinance. These programs have loan balances that have ceilings which are sensitive down to the county as well as other stipulations which need to be accounted for.
 
There are many factors when receiving pricing on a mortgage. Things like your credit score, loan amount, particular program, and final loan to value as well as the always fluctuating market affect the exact interest rate. This is why it is important to sit with a professional to look over your particular situation.

VA
The Department of Veterans Affairs have put together programs for veterans to buy and refinance that are very favorable. They even have 100% financing in some cases. The pricing is determined by all the same factors as any other loan so allow us to look at your particular situation so you can make an informed decision on what is best for you.
 
We love to serve the ones that have served our country.

Conventional
Conventional simply means the loan is not FHA or VA and conforms to the norms set by Fannie Mae and or Freddie Mac. There is a wide verity of loan programs that would fit this general description and like the rest have both positive and negatives. Which is another reason why it is best to sit down with a professional to go over your exact situation so that you can understand them all.
 
Conventional financing comes in many forms and many options and we can help you figure out which is best for you.

DPA - Down Payment Assistance Programs
DPA's come in many forms and are put together by several different entities. There are programs that FHA has put together, independent entities in concert with state regulations as well as individual counties and cities have put together their own assistance programs. These programs all function differently and each has their own guidelines and some are only around while there is money available for them to run which is why it is important that you get pre-qualified for them BEFORE you go shopping for a new home.
 
We love these programs but they are not for every situation. Call us so we can evaluate your situation.

Non-Conventional
Non-Conventional simply means any program that is not a FHA, VA nor fits inside the guidelines of Fannie MAE or FREDDIE MAC. They have the widest array of choices all with different guidelines. It is very important that you know all the details of these loans.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $424,100 with closing costs of $8,482. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.