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Home Purchase Loans

Explore a range of home loan programs tailored for first-time buyers, growing families, and savvy investors. Whether you're looking for low down payment options, flexible credit requirements, or competitive rates, I’ll help you find the best fit for your goals.

HOME PURCHASE LOANS

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FHA Home Loans

Perfect for first-time homebuyers or those with lower credit scores. FHA loans offer low down payments and flexible qualification —making homeownership more accessible than ever.​

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Homepath Loan

​HomePath loans offer special financing for Fannie Mae-owned homes, often with low down payments and no appraisal required. Great for those willing to renovate and save.

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VA Loans

For our Veterans, Active Duty service members, and eligible spouses—VA loans offer zero down payment, no mortgage insurance, and competitive interest rates.

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Jumbo Loan

Buying a high-value property? Jumbo loans go beyond standard loan limits and are ideal for luxury homes or properties in competitive California markets.

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USDA Loans

Love the idea of rural or suburban living? USDA loans make it possible with zero down payment options and affordable rates—designed for low-to-moderate income buyers in eligible areas.

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Conventional Loan

A go-to for buyers with strong credit and stable income. Conventional loans offer great flexibility, competitive rates, and can work with as little as 3% down.

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Let’s make homeownership happen—your way.

​All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions apply.​

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CONTACT US

(916) 705-0445

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shannon@shoffhomeloans.com

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2237 Douglas Blvd Suite 100, Roseville, CA

About 

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