With a comprehensive selection of conventional loans, you’ll find great options whether you are looking for your primary home, secondary residence or an investment property.

Features (additional requirements may apply):

  • 3% down payment – primary homes
  • 10% down payment – second homes
  • 15% down payment – investment property
  • Fixed rate and ARM loans
  • Direct Fannie Mae and Freddie Mac lender

Qualification Considerations:

  • Minimum 620 FICO score

Financing amounts for conventional loans are equal to or less than the limits established by Fannie Mae and Freddie Mac. Click here to better determine these conforming home financing limits.

 
Ready to get started on your Conventional Loan application with Castle & Cooke Mortgage?

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Still have questions? Licensed loan officers in your area are available to answer questions and walk you through our smooth mortgage process from start to finish.

Loans backed by the Federal Housing Administration (FHA) designed specifically for lower income, senior and first-time homebuyers.

Features (additional requirements may apply):

  • 3.5% down payment
  • Down payments can be gifted by family members or your employer
  • Expanded qualifying and underwriting ratios
  • Streamline Refinance with no appraisal

Qualification Considerations:

  • Minimum 580 FICO score
  • Short Sale and foreclosure records must be at least three years from application date
  • Bankruptcy records must be at least two years from discharge date to application date
  • Townhomes, row homes and condos must be within an FHA approved project

The FHA looks at the borrower’s big-picture situation. Reduced credit or poor credit situations will not necessarily disqualify borrowers for FHA home financing. Mortgage limits for FHA financing will vary by area. Click here to check the current limits established for your area.

 
Want to know if this low down payment option is right for you? Loan officers near you are ready to answer your questions and walk you through our simple loan process from start to finish.
 
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It is our honor to provide loans backed by the U.S. Department of Veterans Affairs (VA) designed to support military veterans, active duty service members and their families by offering up to 100% financing for qualified applicants.

Features (additional requirements may apply):

  • No down payment
  • Reduced interest rates
  • Limited closing costs
  • Expanded qualifying and underwriting ratios
  • Streamline Refinance with no appraisal

Qualification Considerations:

  • Minimum 620 FICO score
  • Must be owner occupied
  • No late payments on mortgage for 12 months
  • Veterans: provide DD-214
  • Active Duty Service Members: provide a current statement of service signed by, or by the direction of, the adjutant, personnel office, or commander of the unit or higher headquarters

Veterans are defined as those who served on active duty and have a discharge, other than dishonorable, after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime.

Our loan officers are ready to help you take advantage of the mortgage benefits you have earned through service to our country. Find a licensed loan officer near you or start your application today.
 
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U.S. Department of Agriculture (USDA) Rural Development Housing Loans are geared to households who have the income to afford the home payments, but may be unable to save enough for a down payment.

Features (additional requirements may apply):

  • 100% financing option
  • Low down payment and interest rate options
  • Limited closing costs
  • Expanded qualifying and underwriting ratios
  • Not restricted to “rural” areas only

Qualification Considerations:

  • Minimum 640 FICO score
  • Short sale and foreclosure records must be at least three years from application date
  • Bankruptcy records must be at least three years from discharge date to application date
  • Townhomes, row homes and condos must be within an FHA approved project
  • Additional underwriting review required by USDA

Click here to find out if the home you want is in a designated USDA eligibility area.

Have questions about USDA Loans? Licensed loan officers near you are ready to review your options and walk you through our smooth loan process.

 
Ready to begin your online application?
 
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Some products and services may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Not all who apply will qualify.