Conventional loans are the type most popular type of loan for  home buyers and borrowers.

There are a variety of options available for conventional loan financing including variable year options.  Whether you are looking for a 10, 15, 20, or 30 year mortgage, a conventional loan can suit your needs.  Conventional loans are also available with down payments of as low as 3%.

Fixed-Rate Mortgages for purchase and refinance are available with conventional loans.  Fixed-Rate mortgages are ideal for those who intend to stay in their home at least 5-7 years.  Adjustable-Rate Mortgages are best for those who are looking for a low-rate and low payment and are looking to move within 5-7 years.


Federal Housing  Administration (FHA) loans have become more popular for home buyers.

Many home buyers select an FHA loan as their preferred mortgage option because this loan type does not require a large down payment.

FHA loans allow for a down payment as low as 3.5%, while at the same time providing more flexible requirements.  This makes FHA loans ideal for first-time home buyers and those with less than “perfect” credit.

To find out if an FHA loans is right for your home buying needs,


We are grateful to all those who serve our country.  As a member of the Armed Forces, you have served your country and provided a great service to our nation.

The Denman Team helps veterans qualify for a VA loan.  Those who meet the following criteria may qualify for a VA (Veterans Administration) loan.

  • Military service veterans
  • Retired/Active Duty members of the armed forces

VA loans are available with 15, 20, or 30 year fixed rate mortgages and home refinances.  Flexible credit requirements are also available with VA loans.  VA loans qualify for 100% financing for home purchase.  They also allow borrowers to refinance up to 95% of their home value.


USDA (United State Department of Agriculture) loans are one of the few types of loan that still qualifies for 100% financing and are designed for rural properties.

While many people believe that USDA Loans apply solely to farms and ranches, these loans are available for many different properties. The Denman Team can help those who are interested in purchasing a home or refinancing a property outside of major metropolitan areas.

These loans allow a greater flexibility in both qualifications for the loan and the amount of the down payment.

If you would like to determine if a property meets the criteria for a USDA loan, call the Denman Team.  The Denman Team will be able to walk you through each step of the loan process.  You can also visit the USDA Rural Development website, if you have additional questions about USDA loans.