First Option Mortgage
“He was great, called him a lot to ask questions and he answered them if not he found the answer and called me back. Great person; would like to deal with him again.”
Steve W.
Lake Saint Louis

Mortgage Loan Programs

First Option Mortgage Loan Programs

Our Mortgage Loan Programs

Conventional Home Loans

  • Refinance up to 105% of appraised value with the new Fannie Mae DU Plus Program
  • $417,000 mortgage loan limit
  • Secured by government sponsored entities
  • Purchase or refinance 1 to 4 family units

FHA Home Loans

  • Insured by the Federal Housing Administration
  • Low down payment on a new purchase 3.5 %
  • Refinance up to 95% of your appraised value
  • $100 down HUD home purchase program
  • Streamline with no appraisal if you have an existing FHA loan

VA Home Loans

  • ZERO down payment purchase program
  • Forgiving credit requirements
  • Administered by the Department of Veterans Affairs

USDA Mortgage Loans

  • 100% Financing up to the appraised value
  • NO private mortgage insurance
  • NO limit on seller concessions and gifts
  • Flexible credit qualifications
  • No loan amount limitations
  • Purchase Money Program

Credit Repair

  • Learn the true cost of having a low credit score
  • Expert advice on resolving outstanding credit issues
  • No monthly fee
Close your loan in eight days or less with First Option Mortgage. Sign up to get rate alerts and we will let you know when we find the mortgage rates that you need. Use this handy tool to help you calculate the value of your home so you can get the right mortgage from First Option Mortgage.
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