Explore Your Loan Options
Vision Home Mortgage, Loan Programs
At Vision Home Mortgage, we’re dedicated to helping you find the perfect loan for your homeownership journey. Our diverse range of loan programs ensures that no matter your situation, there’s an option tailored to meet your needs. Ready to take the first step? Fill out our quick and easy loan application today, and let us help you get one step closer to your dream home.
Choosing the Right Mortgage, Overview of Our Loan Programs
Finding the right mortgage is a big step in your homeownership journey, and we're here to make it easier. At Vision Home Mortgage, we offer a range of loan programs tailored to meet various financial situations and goals. This quick overview will help you explore the options available so you can make an informed decision with confidence. Ready to find the loan program that fits your needs? Let’s get started.
Adjustable-Rate Mortgages (ARM)
Adjustable-rate mortgages include principal and interest payments, but the interest rate can change over time. These adjustments can either increase or decrease your monthly payment depending on market conditions. Typically, ARMs carry a fixed-interest rate for an initial set period before adjusting. Want to know if an ARM is right for you? Find out more...
FHA Loans
FHA loans are insured by the Federal Housing Administration, making homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. With a minimal down payment of just 3.5% and more flexible credit guidelines, FHA loans are designed to help a wide range of borrowers. They also offer competitive interest rates and lower closing costs. Find out more...
First-Time Home Buyer
Are you a first-time homebuyer feeling overwhelmed by all the loan options? Don’t worry—Vision Home Mortgage is here to make the process smooth and stress-free. Our experienced team will guide you from start to finish, helping you navigate through the different programs tailored specifically for first-time buyers. Whether you’re looking for low down payments, flexible credit requirements, or government-backed programs, we’ve got you covered. Find out more...
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARMs combine features of both fixed-rate and adjustable-rate mortgages and are also known as fixed-period ARMs. These loans start with a fixed rate for a specified time before adjusting based on market conditions. Explore if a Hybrid ARM is suitable for you. Find out more...
Interest-Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest on their loan for a set period. This can be an attractive option if you're looking to keep monthly payments lower initially. Curious about how this works? Find out more...
Jumbo Loans
A jumbo loan exceeds the conventional loan limits set by Freddie Mac and Fannie Mae, which for 2025 is $800,000 for a single-family home in Nevada. Jumbo loans offer a variety of down payment options and may not require private mortgage insurance (PMI). If your dream home is priced above this limit, a jumbo loan could be the perfect solution. Find out more..
USDA Loans
USDA loans are guaranteed by the United States Department of Agriculture and are available for rural areas that meet specific guidelines. These loans offer benefits such as no down payment and no PMI. Surprised that you may qualify for a USDA loan? Find out more...
VA Loans
VA loans are guaranteed by the Department of Veterans Affairs, offering military veterans exceptional benefits. These loans require no down payment, have no mortgage insurance, and typically feature competitive interest rates. With these advantages, VA loans can be an ideal choice for veterans looking to achieve homeownership. If you’re a veteran, this might be the perfect loan for you. Find out more...
