• 9841 Washingtonian Blvd #200 Gaithersburg, MD 20878
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Mortgage Programs

🏡 Mortgage Programs Designed to Get You Home

At REC.Homes, we believe financing shouldn’t be confusing — it should be empowering. That’s why our lenders and real estate professionals work together to match you with the right mortgage program based on your goals, budget, and timeline.

 

Whether you’re buying your first home, upgrading, investing, or refinancing — we have options tailored for you.

đź’° Popular Mortgage Programs We Offer

 Conventional Loans

 

Ideal for buyers with strong credit and stable income.

– Competitive interest rates

  • – Flexible term options (15, 20, 30 years)

  • – Low down payment options available

  • – Great for primary homes, second homes, and investment properties

🔹 FHA Loans (Federal Housing Administration)

 

Perfect for first-time buyers or those with lower credit scores.

– Down payments as low as 3.5%

– More flexible credit guidelines

– Gift funds allowed for down payment

– Assumable loan option

🔹VA Loans (U.S. Department of Veterans Affairs)

 

Exclusive benefits for eligible veterans and active-duty service members.

– $0 down payment options

– No private mortgage insurance (PMI)

– Competitive interest rates

– Limited closing costs

🔹USDA Loans (U.S. Department of Agriculture)

 

Designed for eligible rural and suburban homebuyers.

– $0 down payment

– Reduced mortgage insurance

– Income-based eligibility

🔹First-Time Homebuyer Programs

 

Special programs designed to make homeownership more affordable.

– Down payment assistance

– Grant opportunities

– Reduced interest rates

– Closing cost assistance

🔹Jumbo Loans

 

For higher-priced homes that exceed conventional loan limits.

– Competitive jumbo rates

– Flexible property types

– Ideal for luxury or high-value homes

đź“Š Which Mortgage Program is Right for You?

Choosing the right loan depends on:

– Credit score

– Income & employment history

– Down payment amount

– Property type

– Long-term financial goals

 

That’s why REC works directly with trusted lenders to review your full financial picture and guide you every step of the way.

 

🤝 The REC Advantage

At REC.Homes, our lenders and real estate agents work as one team — helping you:

âś” Understand your buying power
âś” Get pre-approved with confidence
âś” Compare loan options side-by-side
âś” Navigate the process smoothly from application to closing

 

We simplify financing so you can focus on finding the perfect home.

 

🚀 Ready to Explore Your Mortgage Options?

Your path to homeownership starts with the right financing strategy.
Let our team help you make a smart, confident move.

 

Connect with REC.Homes today and let’s get you home.

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