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Loan Options
Common Loan Types
Understanding your financing options helps you make confident decisions.
Conventional Loans
Traditional financing with down payments as low as 3% for qualified buyers. Subject to lender underwriting and credit requirements.
- 3-20% down payment for eligible borrowers
- PMI may be required with less than 20% down
- Fixed or adjustable terms
- Subject to credit and income qualification
FHA Loans
Government-backed loans insured by the Federal Housing Administration. Minimum 3.5% down payment for eligible borrowers. Subject to program requirements and lender underwriting.
- 3.5% minimum down payment
- Subject to FHA loan limits
- MIP required
- Eligible borrowers may benefit
VA Loans
Loan benefit for eligible veterans, active military, and qualifying spouses. VA eligibility is required and is determined by the lender. No down payment may be required for eligible borrowers.
- $0 down for eligible borrowers
- No monthly mortgage insurance
- Funding fee may apply
- VA eligibility required
USDA Loans
Zero-down financing for eligible rural and suburban properties in designated areas. Subject to property eligibility and household income limits.
- $0 down in eligible areas
- Property and household income limits apply
- Upfront and annual fees apply
- For eligible rural and suburban properties
Mortgage Guidance
Mark Jones
Branch Manager / Sr. Loan Officer
NMLS #513437 · iTHINK Mortgage powered by Premier Mortgage Resources, LLC (NMLS #1169)
Have a financing question? Mark can help you understand FHA, VA, Conventional, and USDA loan options.
You are free to choose any lender or settlement-service provider. Using Mark Jones, iTHINK Mortgage, or Premier Mortgage Resources is not required to work with Kayle Hutchison or purchase a property.
Assistance Programs
Down Payment & First-Time Buyer Programs
Don't let a down payment hold you back. Several programs exist to help you get into a home sooner.
Texas First Time Homebuyer Programs
Texas offers down payment assistance and competitive interest rates through TSAHC (Texas State Affordable Housing Corporation) and local programs. Eligible buyers may receive grants or low-interest loans to help cover down payment and closing costs.
Learn More at TSAHC.org →Common Questions
Financing FAQ
Get Connected
Ready to Get Pre-Approved?
Share your info and Kayle will connect you with Mark Jones or another lender who can help you understand your buying power.
Mark Jones · NMLS #513437
iTHINK Mortgage powered by Premier Mortgage Resources, LLC · NMLS #1169
Equal Housing Opportunity
NMLS Consumer AccessYou are free to choose any lender or settlement-service provider. Using Mark Jones, iTHINK Mortgage, or Premier Mortgage Resources is not required to work with Kayle Hutchison or purchase a property.