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.
Latest Blog Post
Conventional vs. FHA Loan in Michigan: Your 2026 Navigation Guide
What if the lower monthly payment you’re chasing today actually costs you $40,000 more over the life of your mortgage? When you’re weighing a Conventional vs FHA loan Michigan homeowners often feel like they’re choosing between two different flight paths without a clear radar. It’s a high-stakes decision, especially with interest rates for 30-year fixed loans hovering between 6% and 6.6% in mid-2026. You want the security of a stable home without the turbulence of hidden costs or rigid insurance rules.
I understand that the technical jargon of UFMIP and PMI can make the process feel like a gamble rather than a controlled, engineered plan. This guide is your navigation manual to master the mechanical differences and local advantages of both paths. We’ll compare upfront costs against long-term savings, explain how MSHDA down payment assistance fits into your strategy, and give you the confidence to choose the financial engine that delivers the most lift for your specific credit score and Michigan zip code.
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