Government Loans At Your Service

Government home loans can make it easier for you to qualify to purchase, renovate or refinance a home. Compared to conventional mortgages, government loans can offer flexible qualifications quidelines and make it easier for some to get a mortgage who may otherwise not be able to.

Move into your new home with a USDA, FHA, or VA loan

A government loan could be the loan option you need. Find out.


FHA 203 (b)

Government loans are great for borrowers who don’t have the money for large down payment or who have less-than-perfect credit. Moreover, in comparison to conventional loans, the cost of mortgage insurance is nearly cut in half because FHAs roll it into your total monthly payment.

Construction Loan FHA

Available to both homebuyers and current homeowners looking to refinance, this fixer-upper loan comes in both Streamlined and Standard. Streamlined loans are perfect for inexpensive renovation, whereas the standard loan is meant for major structural projects.

Energy Efficient

After an estimate of the energy savings has been determined, eligible applicants can finance their renovations with a fixed rate FHA.


Streamline Refinance

This loan is only available to homeowners currently borrowing from an FHA and using their home as a principal residence. Using a FHA Streamline will reduce your interest rate while also saving you time by eliminating a large portion of the application paperwork.


This mortgage allows homebuyers with low to moderate income to purchase a home in a rural area (as designated by the USDA). These loans have low interest rates and small down payments.



This mortgage offers 100% financing on a home without mortgage insurance. If you have a valid Certificate of Eligibility, you can apply for this low interest rate, zero down payment loan.

Home Equity

Conversion Mortgage (Reverse Mortgage)

Co/LAB Lending offers reverse mortgages to homeowners who are 62 years or older and have limited income but have accumulated wealth in their homes.

Schedule Your FREE

Mortgage Consultation Today!

Talk to a Co/LAB Lending Loan Officer to discuss your mortgage options. Our team is happy to answer your questions and help guide you to the perfect mortgage options.

Are You Ready To Apply and

Find Out If You Qualify?

Take the first step and apply now. Getting started is easy and it only takes a few minutes. Once completed our team will deliver a decision in less than 48 hrs.

Ready To Get Started?

Schedule a time to discuss your mortgage options with Co/LAB Lending.

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Call For Preapproval: 1.800.280.2022
Email: [email protected]

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Information is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.

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