Loan Programs
Whether you’re buying, renovating, or refinancing, Treadstone provides a wide array of mortgage products to meet a variety of home financing needs.
Contact us today and we can help you find the right mortgage tailored to your individual needs in three easy steps:
- Tell us about your needs: Answer a few questions to help us find a loan option that fits your situation.
- Consider your loan options: Review, modify, and compare loan scenarios. Get closing cost estimates, and save your options to access later.
- Request a complimentary consultation: Submit your loan options for a no-obligation review. We can answer any questions you might have. Or, if you’re ready to take the next step, apply with our secure and convenient online application.
FHA Loan
- Minimum 3.5% down
- Upfront insurance fee can be financed
- Flexible qualifying guidelines
FHA 203 (k) Renovation
- Minimum 3.5% down
- Flexible qualifying guidelines
- Financing rolls repairs into your mortgage for one monthly payment
USDA Rural Development
- No down payment option
- Lower mortgage insurance premiums*
- Flexible qualifying guidelines
USDA Renovation
- No down payment option
- Finance repairs into your mortgage for one monthly payment
- Income and geographical limits apply
Conventional Loan
- Minimum 5% down
- Great rates for lower payments
- Unique first-timer options (3% down**)
Homestyle Renovation
- Minimum 5% down
- Both practical and luxury projects
- Includes second homes and one-unit rentals
VA (Veteran) Loan
- No down payment option
- No mortgage insurance required
- Flexible qualifying guidelines
VA (Veteran) Renovation Loan
- No down payment option
- No mortgage insurance required
- Flexible qualifying guidelines
MSHDA DOWN PAYMENT ASSISTANCE
- 1% down option
- Works with FHA or Conventional programs
- Options for first time and repeat buyers
Numbers above represent fixed rate mortgage examples.
*Comparable to the other loan programs listed above.
**First-time homebuyer refers to a program offered by Fannie Mae.
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Did you fall in love with a home in Kal
amazoo, Portage, or Texas Township, only to find an aging roof, peeling paint, a failing furnace, or an outdated kitchen standing between you and the closing table?
Yesterday afternoon, a local Realtor called my office in Portage with a deal on the verge of falling apart.
Their buyer went under contract on a 1950s brick ranch near Alamo Township. The home inspection and appraisal flagged three major issues: a worn-out asphalt shingle roof, a 30-year-old furnace, and chipped paint on the exterior trim.
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