FHA, VA, USDA & Conventional Mortgages

 FHA loans offer qualified buyers a lower down-payment option and more flexible credit guidelines than many conventional programs. They can be a strong choice for first-time and repeat buyers who have limited savings or are still improving their credit. 

•  Down payments as low as 3.5% 
• Flexible credit guidelines 
• Fixed-rate mortgage options 
• Seller-paid closing costs may be available 
• Available to first-time and repeat buyers

VA loans provide eligible veterans, active-duty service members and surviving spouses with a powerful path to homeownership.

• 0% down for qualified borrowers
• No monthly mortgage insurance
• Competitive fixed-rate options
• Flexible qualification guidelines
• Purchase and refinance programs
• No prepayment penalties

If you have VA eligibility, this is usually the first loan we examine. You earned the benefit—put it to work.

 USDA loans offer qualified buyers 0% down financing in eligible rural and suburban areas. Many Eastern Ohio communities qualify—even some properties located just outside city limits.  

• 0% down for qualified buyers 
• Competitive fixed-rate options 
• No first-time buyer requirement 
• Available in eligible rural and suburban areas 
• Property and household-income requirements apply

Conventional loans offer qualified buyers flexible down-payment choices, competitive financing and options for more property types than many government-backed programs.

• Down payments starting at 3% for certain qualified first-time buyers
• 5% down options for other qualified buyers
• Competitive fixed-rate mortgage options
• Financing for primary residences, second homes and investment properties
• Private mortgage insurance may be canceled after applicable requirements are met
• Purchase and refinancing options available

Conventional financing can provide strong long-term value for buyers with established credit, stable income and manageable monthly debts.

• FHA: Starting at 3.5% down with flexible credit guidelines
• VA: 0% down and no monthly mortgage insurance for eligible borrowers
• USDA: 0% down in eligible rural and suburban areas
• Conventional: Starting at 3% or 5% down with flexible property options for qualified buyers

The lowest down payment does not always produce the lowest total cost. That is why we compare the numbers before recommending a loan.

The loan with the lowest down payment is not automatically the least expensive—or the best fit. The right mortgage depends on your complete financial picture and the property you plan to buy.

We compare:

• Down payment and total cash needed at closing
• Monthly principal, interest, taxes, insurance and mortgage insurance
• Credit history, income and existing monthly debts
• Property location, condition and intended occupancy
• Eligibility for VA, USDA or down payment assistance programs
• Short-term affordability and long-term borrowing costs

Many buyers in Zanesville, Coshocton, Cambridge and surrounding Eastern Ohio communities qualify for more than one loan program.

Concorde Mortgage will compare your FHA, VA, USDA and conventional options side by side, explain the tradeoffs in plain English and help you choose the financing that fits your situation.

Concorde Mortgage has helped Ohio homebuyers navigate the mortgage process since 1985. From our Zanesville office and loan offices serving Coshocton and Cambridge, our team provides local guidance backed by decades of lending experience.

We help buyers throughout:

• Zanesville and Muskingum County
• Coshocton and Coshocton County
• Cambridge and Guernsey County
• Surrounding rural and suburban communities across Eastern Ohio

Working with Concorde Mortgage means getting more than an online rate quote. We compare FHA, VA, USDA and conventional loan options, explain the costs clearly and help you choose financing that fits the property, your budget and your long-term goals.

You will work with experienced local mortgage professionals who understand Eastern Ohio properties, local real estate markets and the loan programs available in our communities.

Local people. Straight answers. Home loan options built around you.

Stop guessing which mortgage looks best and let’s compare the actual numbers.

Concorde Mortgage can help you:

• Compare FHA, VA, USDA and conventional loans
• Estimate your down payment and total cash needed
• Review monthly payments and mortgage insurance
• Identify available 0% and low-down-payment options
• Get pre-approved before you begin making offers

Your pre-approval gives you a realistic price range and shows sellers that you are prepared to buy.

No pressure. No confusing sales pitch. Just clear numbers and straight answers from a local Eastern Ohio mortgage team.

It only takes a few minutes to get started.