Loan programs
Seven ways to finance a home. One conversation to pick the right one.
Every program below has a plain-English page: what it’s for, who it fits, and the questions buyers actually ask. Read up, or skip it all and text Eddie your situation — he does this every day.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the plain-English version →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the plain-English version →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the plain-English version →USDA Loans
$0 down for homes in eligible smaller communities — parts of Kane, McHenry, DeKalb and Kendall Counties qualify, and most buyers have no idea.
Read the plain-English version →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the plain-English version →Down Payment Assistance
Illinois has real down payment help — IHDA programs can put thousands toward your down payment and closing costs for qualified buyers.
Read the plain-English version →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Eddie will show you. When it doesn’t, he’ll tell you.
Read the plain-English version →Still not sure?
Most buyers qualify for more than one. Eddie compares them side by side — cost, down payment, mortgage insurance, and what happens in year five — so you can choose with the whole picture.
💬 Text Eddie
Want it narrowed to one?
Describe your situation in two sentences — English or Spanish — and Eddie replies with the program that fits and why.