Loan Programs
Find the right loan program
Compare options, understand requirements, and choose a loan strategy that fits your goals.
Common loan programs
Explore common options and how they affect eligibility, payment, and cash to close.
Conventional Loans
Flexible financing for primary, second, and select investment homes.
FHA Loans
Flexible credit guidelines and competitive terms for qualified buyers.
VA Loans
For eligible service members, veterans, and surviving spouses.
Jumbo Loans
For loan amounts above conforming limits.
Refinance Options
Review rate-and-term or cash-out refinance strategies.
Investment Property Loans
Financing guidance for rentals and investor scenarios.
How I help you choose
Clear comparisons
Compare payment, cash to close, qualifying guidelines, and long-term cost before you decide.
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Side-by-side scenarios
Compare payments, cash to close, and long-term cost across multiple programs and rate structures.
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Underwriting-ready guidance
Know what documentation is needed and what to expect so there are fewer surprises between application and closing.
Loan program FAQs
Quick answers before a personalized program review.
Which loan program is best for a first-time homebuyer?
It depends on your credit profile, down payment, and goals. Many first-time buyers consider conventional or FHA options; I’ll help you compare payment, mortgage insurance, and cash-to-close so you can choose the best fit.
How much down payment do I need?
Down payment requirements vary by program and borrower profile. Some options allow low down payments, and eligible VA borrowers may have zero-down options. I’ll confirm what you qualify for and what makes the most sense financially.
What is mortgage pre-approval and how long does it take?
Pre-approval is a lender review of your income, assets, credit, and documentation to determine a qualified loan amount. Timing varies by complexity, but the goal is a streamlined process that helps you shop and make stronger offers.
Can I refinance if I already have a low rate?
Possibly. A refinance can be about more than rate—such as changing your term, removing mortgage insurance, consolidating debt, or accessing equity. I’ll run scenarios to see whether the numbers support the move.
Do you help with investment property financing?
Yes. I help investors evaluate program options, documentation requirements, reserve guidelines, and strategies that align with cash flow and long-term plans.
Which states do you serve?
Chad Hancock is licensed in AZ, CA, FL, ID, ME, NH, NM, PA, TN, UT, and VA.
Ready to compare loan options?
Get a focused recommendation based on your goals and qualifying profile.