Hurricane Harvey Hotline
If you have a mortgage related concern, please don’t hesitate to contact us at 877-478-1101, option 2.
The following is a partial list of programs offered by Republic State Mortgage with a brief description of the key elements of each. It's good to understand some of the basic information about the available loan types, but our experienced loan officers will make suggestions based on your individual status. For a complete list of the programs that we offer, please contact us.
FHA MORTGAGE LOANS
Backed by the Department of Housing and Urban Development, FHA loans offer the borrower the opportunity for a lower down payment and they can even finance allowable closing costs. Seller can also contribute up to 6% of the purchase price to the buyer towards closing costs.
Traditional loan programs, or conventional loans, are known for offering competitive interest rates. Complete documentation and fair-to-good credit are necessary.
RURAL DEVELOPMENT LOANS
100% government loans that do not require a monthly mortgage insurance premium. Rural development loans are only available in rural areas and are usually written on a case by case basis.
Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced, these programs have many variations.
(Program may not be available in some states)
SECOND MORTGAGE LOANS
Subordinate to the first mortgage, second mortgages offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.
Offers fixed-rate mortgage and competitive ARM products with full documentation, alternate documentation and limited documentation. Cash out and no cash out refinance are allowable. Single family detached, Condos, PUDs and single-family second homes can be financed.
VA LOANS (Veterans)
Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military personnel.
Building relationships that deliver happiness and fulfill the American Dream. We are on a mission to have the most principled, professional people who are passionate about personal service and delivering the best possible outcome for the customer. Learn More
Connect With Us
With offices located throughout the country, our team of mortgage professionals is ready to lead you through your options to find the best fit for you. Find Our Team
Ready, Set, Loan!
When it comes to buying a home, you know the right one when you see it. Use our simple online application tool to get started today. Apply Now
CORE VALUE #1: Relationships
We care about the people we serve
CORE VALUE #2: Expertise
Our people are experts in the field
CORE VALUE #3: Problem-Solving
We have the know-how and resourcefulness to make it happen
CORE VALUE #4: Unity
We're all in this together
CORE VALUE #5: Balance
We want our people to live rich, balanced lives
CORE VALUE #6: Listening
By being great listeners, we can find the right solution to fit your needs
CORE VALUE #7: Integrity
Do the right thing, in the right way, at the right time
CORE VALUE #8: Commitment
We give you our word