Loan Programs

Conventional and Jumbo Mortgages
HomeTrust closes purchase loans in as little as 8 business days

First Time Buyers Programs
We offer HomeReady, HomePossible, IHDA and other first time buyer and Down Payment Assistance Programs.

FHA/VA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment as low as 3.5%.  Allows for credit scores down to 500. VA loans are mortgages guaranteed by the Department of Veteran Affairs with low interest rates and 0% down payment requirement.

NON-QM Loans
We offer DSCR, No Ratio, Bank Statement, and Asset Based Loans allow non-traditional and self employed borrowers to access lending.

Renovation Loans
We fund loans for property renovations, fix and flips, owner occupied and non-owner occupied.

Commercial Loans
HomeTrust originates loans on 5+ multi-family properties, businesses including SBA loans

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.