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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:

  1. Tell us about your needs: Answer a few questions to help us find a loan option that fits your situation.
  2. Consider your loan options: Review, modify, and compare loan scenarios. Get closing cost estimates, and save your options to access later.
  3. 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.

Apply Online!

FHA Loan

  • Minimum 3.5% down
  • Upfront insurance fee can be financed
  • Flexible qualifying guidelines

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FHA 203 (k) Renovation

  • Minimum 3.5% down
  • Flexible qualifying guidelines
  • Financing rolls repairs into your mortgage for one monthly payment

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USDA Rural Development

  • No down payment option
  • Lower mortgage insurance premiums*
  • Flexible qualifying guidelines

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USDA Renovation

  • No down payment option
  • Finance repairs into your mortgage for one monthly payment
  • Income and geographical limits apply

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Conventional Loan

  • Minimum 5% down
  • Great rates for lower payments
  • Unique first-timer options (3% down**)

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Homestyle Renovation

  • Minimum 5% down
  • Both practical and luxury projects
  • Includes second homes and one-unit rentals

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VA (Veteran) Loan

  • No down payment option
  • No mortgage insurance required
  • Flexible qualifying guidelines

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VA (Veteran) Renovation Loan

  • No down payment option
  • No mortgage insurance required
  • Flexible qualifying guidelines

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MSHDA DOWN PAYMENT ASSISTANCE

  • 1% down option
  • Works with FHA or Conventional programs
  • Options for first time and repeat buyers

Learn More

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.

Latest Blog Post

March Lunch and Learn: Managing Rental Property

Join us for a FREE lunch and learn session as Josh Smith, a seasoned property owner with over 250 rentals under his belt, shares his expertise on managing rental properties!  Realtors feel free to bring your investor clients along with you.

In this session, you’ll gain valuable insights on:
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