Loan Programs

Richard Cogswell Mortgage offers a variety of competitive loan programs to meet your needs. Every client has different needs and we match them with the program that best matches their individual situation.

FHA – Excellent option for first-time home buyers.

VA – Great option to consider for military veterans.

USDA – Location is available for the purchase of a residence in “rural” areas.

Conventional – Terrific loan option for borrowers looking to purchase a home for less than $424,100.

Jumbo – For the client interested in purchasing a home with a value greater than $424,100.

Refinance mortgages – Refinanced loan will have a lower interest rate and longer terms and Lower payments.

Reverse mortgages – Reverse Mortgage or Home Equity Conversion Mortgage (HECM) is a special type of home loan for older homeowners that requires no monthly mortgage payments

203K mortgages – FHA 203k loan allows you to wrap your renovation costs into your mortgage with one loan and one closing, including labor and materials.

Homepath Mortgage – A HomePath property it means that it is (a) a bank-owned home owned by ,

Fannie Mae mortgages, Freddie Mac mortgage

Preferred Home Builder and Developer Programs