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Conventional Loans


Find a loan backed by the private sector, rather than government agencies. Conventional loans can be characterized by fixed-rate mortgages or adjustable-rate mortgages. People often lend themselves to conventional loans because of their better interest rates, as well as their accommodative down payment options.

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FHA loans are insured by the Federal Housing Administration; such a loan type is intended for low-to-moderate-income borrowers. This particular loan type require lower minimum down payments and lower credit scores than other potential loans that are offered in today's market.

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A VA loan is a mortgage option provided to United States Veterans by private lenders and backed by the Department of Veterans Affairs. Eligible borrowers can capitalize on this program to finance a property as their primary residence or to refinance an existing mortgage. Here at Universal Funding LLC are beyond grateful for the service of our military men and women and want to ensure that we offer every avenue available to them in the nation they have fought for. Call us today and see what we can do for you!



If you're looking to venture to rural America, a USDA loan may be right for you. These loans, provided by independent lenders and backed by the United States Department of Agriculture, are noted for their low interest rates and can be acquired with a low credit score. In order to qualify your adjusted household income must fall within the qualification limits of the loan. Not sure that it does? Call us today and let us guide you!



Ready to buy a house, but feeling like you don't have a big enough savings? A DPA loan may be the perfect choice for you! Through Down Payment Assistance programs, such as grants and low-interest loans, the amount needed for a down payment is reduced. Still have questions? Call us!




Looking to start your own business? A commercial loan may be right for you! This debt-based funding arrangement between your business and a lender allows you to cover any start-up and operational costs you may have early on. If you're interested, please give us a call and let us guide you!



If you're looking to build your dream home, a construction loan may be right for you! Construction loans can be used to finance the construction of a new structure, or to rehabilitate an existing one. This loan can be payed back as a lump sum, or can be transitioned into a conventional mortgage loan. Call us today with any questions you may have!

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