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At Primary Home Loans and Investments (NMLS #2493728), we believe every dream home deserves a smart financing strategy—whether you're stepping into the market for the first time or upgrading to your forever estate.

First-Time Homebuyers

Buying your first home is a major milestone. Our team is here to simplify the process with personalized loan options, down payment assistance programs, and expert guidance every step of the way. We help you understand your budget, boost your buying power, and make confident, informed decisions.

Luxury Homeowners

Purchasing a high-value property? We offer tailored jumbo loan solutions, competitive rates, and white-glove service for discerning buyers seeking exclusive financing options. Our team specializes in complex assets, self-employed income, and unique financial portfolios—because your home loan should match your lifestyle.

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Click the link below to get prequalified today

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FHA (Federal Housing Administration) loan programs offer flexible and affordable mortgage options designed to help first-time homebuyers, lower-income families, and those with less-than-perfect credit achieve homeownership. Backed by the U.S. Department of Housing and Urban Development (HUD), FHA loans feature lower down payment requirements, competitive interest rates, and more lenient qualification standards compared to conventional loans.

What is an FHA Loan?

An FHA loan is a mortgage insured by the Federal Housing Administration and designed to help make homeownership more accessible—especially for first-time buyers, those with lower credit scores, or limited savings. FHA loans allow for down payments as low as 3.5%, offer flexible credit requirements, and can be used for purchasing, refinancing, or renovating a home.

How Can It Help You?

• Buy a Home with Less Money Down – As little as 3.5% down payment required

• Qualify with Lower Credit Scores – FICO scores as low as 580 may be eligible

• Save on Upfront Costs – Lower closing costs and more lenient income guidelines

• Refinance or Renovate – Use specialized FHA programs to improve your current home or loan terms

Why Choose Us?

We’re more than just a lender—we’re your trusted home loan partner. Here’s why homebuyers choose us for their FHA financing:

• ✅ Expert FHA Guidance – Our team specializes in FHA loan programs and walks you through every step

• ✅ Fast Pre-Approvals – Know what you can afford and shop with confidence

• ✅ Competitive Rates – Get the most value with low interest rates and minimal fees

• ✅ Personalized Support – We tailor each loan solution to your unique financial situation

• ✅ Local Knowledge – We understand your market and what it takes to close quickly

Let us help you turn your dream of homeownership into reality—with less hassle, more confidence, and a loan that works for you.

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​Click the link below to get prequalified today

What is an Conventional Loan?

A conventional loan is a home mortgage that’s not backed by a government agency like the FHA or VA. Instead, it’s funded and insured by private lenders, and typically follows the lending guidelines set by Fannie Mae and Freddie Mac. Conventional loans are ideal for borrowers with strong credit, steady income, and the ability to make a larger down payment.

How Can It Help You?

• No Mortgage Insurance with 20% Down – Save money by avoiding PMI when you put 20% down

• Lower Overall Costs – Competitive interest rates and lower long-term fees

• More Property Options – Use conventional loans for primary homes, second homes, or investment properties

• Flexible Terms – Choose from a variety of fixed or adjustable-rate options

Why Choose Us?

We make navigating conventional loans simple, stress-free, and personalized to your needs. Here’s why smart homebuyers work with us:

• ✅ Tailored Loan Solutions – We match you with the right loan based on your financial profile and goals

• ✅ Fast, Transparent Pre-Approvals – Get a clear picture of what you can afford—quickly

• ✅ Experienced Loan Advisors – Our experts guide you through every step, from application to closing

• ✅ Competitive Rates & Terms – We shop the market to get you the best deal possible

• ✅ Smooth Closings – With streamlined processes and responsive service, we help you close on time and with confidence

Let us help you unlock the benefits of a conventional loan—with expert support and a commitment to your success.

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Click the link below to get prequalified today

Fannie Mae & Freddie Mac Loan Programs

At Primary Home Loans and Investments (NMLS #2493728), we proudly offer a full suite of Fannie Mae and Freddie Mac conventional loan programs—trusted, government-sponsored options that help make homeownership more accessible and affordable for buyers across the country.

What Are Fannie Mae & Freddie Mac Loans?

Fannie Mae and Freddie Mac are federally backed mortgage institutions that provide conventional conforming loans—ideal for borrowers with good credit and stable income. These loans follow standardized guidelines that make them widely available, competitively priced, and easier to qualify for.

Key Program Benefits:

• Low down payment options (as little as 3% for first-time buyers)

• Flexible income and credit guidelines

• Fixed and adjustable-rate options

• Affordable mortgage insurance (PMI)

• Refinance options including high LTV programs

• HomeReady® and Home Possible® programs for low-to-moderate-income borrowers

Who These Programs Are For:

• First-time and repeat homebuyers

• Borrowers looking to refinance at better terms

• Individuals with strong credit who want competitive rates

• Buyers seeking a low down payment without going FHA

Whether you're buying your first home or refinancing your current one, Fannie Mae and Freddie Mac loans offer the flexibility and affordability to help you move forward. Let Primary Home Loans and Investments guide you every step of the way.

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Click the link below to get prequalified today

VA Home Loans for Qualified Veterans

At Primary Home Loans and Investments (NMLS #2493728), we’re proud to serve those who’ve served our country. Our VA loan programs offer qualified veterans, active-duty service members, and eligible surviving spouses a powerful path to homeownership—with exclusive benefits backed by the U.S. Department of Veterans Affairs.

What Is a VA Loan?

A VA loan is a government-backed mortgage designed to make buying or refinancing a home easier for veterans and military families. With no down payment required and no private mortgage insurance (PMI), it’s one of the most affordable loan options available.

 VA Loan Benefits:

• $0 down payment required

• No private mortgage insurance (PMI)

• Competitive interest rates

• Flexible credit guidelines

• Limited closing costs

• Streamlined refinance options (IRRRL)

• Available for purchases, refinances, and some new construction

Who Is Eligible?

• Active-duty service members

• Veterans with qualifying service history

• National Guard & Reservists (with sufficient service)

• Certain surviving spouses

You’ve earned this. Let us help you use it.
At Primary Home Loans and Investments, we make the VA loan process simple, respectful, and efficient—because you deserve nothing less than expert guidance and full support.

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Click the link below to get prequalified today

Get Prequalified for a Home Loan with Confidence

At Primary Home Loans and Investments (NMLS #2493728), getting prequalified is the smart first step toward homeownership. Whether you're a first-time buyer or upgrading your current home, our fast and easy process gives you a clear picture of your buying power—so you can shop with confidence.

Why Get Prequalified?

• Know how much you can afford

• Strengthen your offers with sellers

• Get a head start on the mortgage process

• Discover the best loan options for your needs

• No impact to your credit score

Apply Online – It’s Fast, Free & Secure

Skip the paperwork and apply from anywhere. Our secure online application makes it easy to get started in just minutes.

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Click the link below to get prequalified today