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
- Predictable fixed payments
- Easy to amortize payments
- Protection against rising interest rates
- Learn more: Fixed Conventional Home Loan
- Read the eBook: Conventional Home Loan eBook

Adjustable Conventional Home Loan
- Early term low monthly payments
- Lower start payments can allow larger loans
- A variety of initial fixed rate options
- Learn more: Adjustable Conventional Home Loan
- Read the eBook: Conventional Home Loan eBook

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.