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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

Learn More

USDA Rural Development

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

Learn More

USDA Renovation

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

Learn More

Conventional Loan

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

Learn More

Homestyle Renovation

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

Learn More

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

Learn More

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

October Lunch and Learn: Unconventional Lending In An Unconventional Market

1 Hour Con Ed Credit Available!

The real estate market is constantly changing, leading to many challenges for buyers and sellers alike.  Never has there been a greater opportunity to leverage innovative lending solutions to better serve your clients.  As you know we think outside of the box.  Yes we do lots of loans that fit in the box, but getting the deals done that don’t fit in the box can make all the difference in this market.  During this class we will cover some more unique loan programs and ways to structure transactions to help get offers accepted in an unconventional world.  This class is approved for 1 hour of continuing education thank you Devon Title for sponsoring the continuing education portion of this event!

Hot Topics We Will Cover

Here is a list of some of the things we will cover during the event:

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