Government Programs

Government programs are mortgages that are insured or backed by the Federal Government. These types of mortgage protect the lender if  borrower does not pay their loan. At Homestead we offer many types of government programs to suit all needs.


FHA mortgages are a great option for homebuyers looking for a mortgage program with lower down payment options and flexible qualifying guidelines.



A VA mortgage is a valuable benefit for qualifying military veterans and active servicemen and women. They program offers no down payment options with flexible qualification guidelines.


Energy Efficient Mortgage (EEM)

Include the cost of add energy efficient improvements with an Energy Efficient Mortgage.


FHA 203k Renovation

An FHA 203k mortgage allows buyers to borrow the funds for both the purchase and renovation of a home giving the availability or renovating without the need for a second loan.


FHA 203k Streamline

An FHA 203k Streamline in allows for the purchase or refinance of properties that do not require structural changes and will not exceed a total of $35,000.


FHA Streamline Refinance

Current FHA mortgage holders may benefit from refinancing options available with a FHA Streamline.


VA Streamline Refinance

Current VA mortgage holders may benefit from refinancing options available with a VA Streamline.



A USDA mortgage is a great option for borrowers looking to finance a home in eligible rural areas. It is ideal for those seeking financing with no down payment and liberal qualifying guidelines.