Loan Programs | Mortgage Nicky — Nation One Mortgage

Loan Programs

Find the loan that fits your life.

Every buyer's situation is different. Here's a quick look at the programs I work with — we'll figure out together which one actually makes sense for you.

Conventional

Not backed by a government program, and often a strong fit if you have solid credit and some savings for a down payment. Flexible terms, widely available.

FHA

Backed by the Federal Housing Administration, FHA loans are built for buyers who want a lower down payment or have less-than-perfect credit — a popular choice for first-time buyers.

VA

For eligible veterans, active-duty service members, and some military spouses. Backed by the Department of Veterans Affairs, often with no down payment required.

USDA

Backed by the U.S. Department of Agriculture, built for eligible rural and suburban areas — often with no down payment required for qualifying buyers.

Down Payment Assistance

A range of programs designed to help cover your down payment or closing costs. Availability depends on where you're buying and your specific situation.

Not Sure Which Fits?

That's exactly what a Discovery Call is for — we'll go through your situation together and figure out what actually makes sense.

Book a Discovery Call

Let's find your fit.

No obligation, no pressure — just an honest look at what you actually qualify for.

Book your Discovery Call