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Home Loan Options

When you’re buying a home, you want the right loan; one that provides the most benefit and lowest costs for you. At HOPE, we have plenty of choices and we’ll work to find the one that is the best fit for your needs.

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Whether you’re buying your first home, needing to get a bigger house for a growing family, or wanting someplace smaller for retirement, there are plenty of options at HOPE. We may also be able to connect you with special programs for downpayment assistance.


If you’ve been in your home for a while, you may be paying too much for it. With today’s low interest rates, we can help you determine how much a new loan could save you each month. You might also use the equity in your home to make repairs, do some renovations, consolidate bills, or even pay for educational expenses.

Conventional Loans

While these loans may require better credit histories and scores, they can offer lower rates and fewer fees. HOPE has lots of experience in making these types of loans to a wide variety of borrowers.

FHA Loans

Backed by the Federal Home Loan Administration, FHA loans are designed for low- to moderate-income borrowers who are unable to afford the larger downpayment associated with conventional loans.

ITIN Loans

HOPE has a special mortgage for people who have an Individual Taxpayer Identification Number. Our ITIN loan could be a great solution to your housing needs.

Jumbo Loans

If you are in the market for a larger, more expensive home, consider the benefits of a HOPE jumbo loan. We can finance homes valued at up to $650,000.

USDA Rural Housing Loans

The US Department of Agriculture has loans that can be used to help low-income individuals and families purchase, renovate, or relocate a home in rural areas.

VA Loans

The Department of Veterans Affairs offers a mortgage option to current and former members of the armed services. These attractive loans can be used to finance 100% of a homes value.

Affordable Housing Loans

HOPE has developed a special home loan option for low- and moderate-income families across the Mid South. This option can help people with credit scores as low as 580 and who have struggled with medical collections, cell phone bills, or subscription services (book clubs, recurring online billing, etc.)