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 guidelines and make it easier for some to get a mortgage who may otherwise not be able to.
INTERESTED IN A FRANCHISE OPPORTUNITY?
GOVERNMENT LOANS TO MEET YOUR EXACT NEEDS
Explore financial possibilities with our Government Loan solutions. Whether you’re enhancing your home, consolidating debts, or funding education, turn your homeownership into a strategic advantage. Discover the benefits of this powerful financial tool with us—let’s make your goals a reality.
Fixed Rate
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.
203K Renovation &
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.
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.
USDA
Loans
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.
VA
Loans
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.
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.