Loan Types & Programs

You do the buying or building. We'll do the financing!

Our Mortgage Officers are experienced, local experts who will help you to get the home financing that’s right for you.

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Primary Residence

A primary residence is the legal residence of the owner/borrower and which is intended to be used as a primary residence by the borrower within 60 days of closing.

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VA Loans

A no down payment/equity loan for eligible Veterans purchasing or refinancing a Primary Residence. Direct Financial pays customary closing costs.

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Jumbo Mortgages

Fixed rates for 10 or 30-year terms and Adjustable Rates for 30-year terms for a loan amount above $417,000. Minimum down payment of 5-10% depending on loan size. Servicing of loan will stay with Direct Financial after closing.

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Second/
Seasonal Properties

Seasonal properties are single family residential properties occupied by the owner and are not the legal residence of the owner/borrower.

FHA Loans

A low down payment/equity loan for purchasing or refinancing a Primary Residence with flexible underwriting and credit guidelines. Direct Financial pays customary closing costs.