Home Loan Products and Services – Folsom, CA

  • Purchase
  • Refinance

FHA Home Loan

  • Minimum credit scores
  • Down payments as low as 3.5%
  • Allows sellers, builders and lenders to pay the borrower’s closing costs
  • Loan product for extra cash to make repairs to their homes
  • Use gift funds to help with your down payment
  • FHA Approved Condo List: Click here to check if the condo is approved
  • Learn More: FHA Home Loan
  • FHA eBook: FHA Home Loan eBook

VA Home Loan

  • Relaxed credit score standards
  • No and low down payment options
  • No Private Mortgage Insurance
  • Competitive Interest Rates
  • No prepayment penalty
  • VA Approved Condo List: Click here to check if the condo is on the approved list
  • Learn More: VA Home Loan
  • VA eBook: VA Home Loan eBook

USDA Home Loan

  • 100% Financing
  • Flexible income, debt, and credit requirements
  • Little or no closing costs in most cases
  • Learn More: USDA Home Loan

Fixed Conventional Home Loan

Adjustable Conventional Home Loan

Jumbo Home Loan

  • Mortgage amounts in excess of the conforming limit of $417,000 for a one-unit property
  • Fixed or Adjustable Options
  • Learn More: Jumbo Home Loan

Iron Point Mortgage Loan Services

  • Complimentary Consultation – We will review the home buyer’s qualifications, help determine how much they can qualify for before they go shopping for a home with no charge and with no obligation.
  • Flexible Appointments – Applications can be done through the website or over the phone with a Loan Officer. We also offer, at any Finance of America Mortgage branch office, at the buyer’s home, or at their Realtor’s office.
  • A Simpler Mortgage Experience – We are committed to making the experience of getting a home loan as enjoyable as possible. We’ve streamlined our process to ensure that getting your home loan is as smooth and stress-free as possible.
  • FHA Approved Condo List – Any condo purchased through the FHA program must be on the approved HUD condo list. If you are considering the purchase of a condo, click here to check if the condo is approved.
  • VA Approved Condo List – Any condo considered for purchase through the VA Loan program must be approved by the VA. Click here to check if the condo is on the approved list.