Nurse home loan programs may include employer housing benefits, state or local down payment assistance, private professional mortgage products, and widely available conventional or government-backed loans. There is no single federal mortgage program that automatically provides every registered nurse with a grant, reduced rate, or special approval.
The right mortgage depends on your nursing credentials, income structure, credit, student loans, available savings, military eligibility, property location, and homeownership plans. Staff nurses, travel nurses, nurse practitioners, and other nursing professionals may need different income documentation even when they are applying for the same loan program.
Key Takeaways There is no universal federal mortgage or grant automatically available to every nurse. Registered nurses may compare conventional, FHA, VA, USDA, HomeReady®, Home Possible®, and local assistance programs. Some private professional mortgage products may include advanced-practice nurses, but eligible credentials and terms vary by lender. Overtime, bonuses, shift differentials, and other variable earnings may be considered when the lender can document an acceptable history and income trend. Travel nurses may need contracts, pay records, W-2s or 1099s, and documentation explaining agency changes or gaps between assignments. Student loan debt does not automatically prevent mortgage qualification, but the required monthly payment can affect the debt-to-income ratio. Employer or hospital assistance may be structured as a grant, forgivable loan, deferred loan, or repayable second mortgage. Important Note: Mortgage eligibility, professional-program availability, income calculations, credit standards, mortgage insurance, down payment assistance, loan limits, property requirements, rates, fees, and documentation vary by borrower, lender, employer, property, location, underwriting, and investor guidelines. This article is for informational purposes only and is not a commitment to lend.
What Are Nurse Home Loan Programs? Nurse home loan programs are mortgage or homebuyer-assistance options that may help eligible nursing professionals purchase a primary residence. Some benefits are connected to employment or professional credentials, while others are standard mortgage programs available to any borrower who meets the applicable requirements.
The term does not describe one standardized loan.
Program category
How it generally works
What nurses should verify
Private professional mortgage A lender-created product for designated healthcare professionals Eligible nursing credentials, state availability, down payment, pricing, mortgage insurance, and property rules Employer housing assistance A hospital, health system, university, or other employer contributes eligible funds Employment commitment, repayment, location, tax treatment, and approved uses State or local assistance A housing agency helps eligible buyers with upfront costs Income limits, funding, property location, repayment, and occupancy Conventional mortgage A mortgage following applicable Fannie Mae, Freddie Mac, or other investor guidelines Income documentation, credit, assets, debts, property, and mortgage insurance Government-backed mortgage An FHA-insured, VA-backed, or USDA-guaranteed loan Program eligibility, property rules, insurance or guarantee fees, and occupancy
Nurses buying their first home can review the first-time homebuyer loan requirements to understand the income, credit, down payment, debt, and documentation requirements that may apply before comparing nurse-specific benefits.
Is There a Special Federal Home Loan Program for Nurses? No federal program currently listed by USAGov provides a nationwide nurse-only mortgage or automatic grant. Federal homebuying resources instead identify programs based on factors such as FHA eligibility, military service, rural location, Native American status, voucher participation, and designated emergency-service occupations.
This distinction matters because advertisements using terms such as “nurse mortgage,” “nurse grant,” or “registered nurse home loan program” may describe:
A private lender product A referral or marketing service A local down payment assistance program An employer benefit A standard mortgage with nurse-focused branding A real estate or closing-cost benefit rather than a mortgage USAGov warns that the federal government does not generally provide individuals with “free money” to purchase a home. Nurses should request written eligibility rules, repayment terms, and the identity of the actual lender or assistance provider before submitting personal information.
Who May Qualify for a Healthcare Professional Mortgage? A private healthcare professional mortgage may define eligible nursing occupations differently. One lender may include nurse practitioners or certified registered nurse anesthetists, while another may not include registered nurses, licensed practical nurses, or certified nursing assistants.
Before applying, ask the provider to confirm:
The exact eligible license or professional designation Whether registered nurses qualify Whether advanced-practice credentials are required Whether new graduates or nurses awaiting a start date qualify Whether travel nurses or contract employees are accepted Whether the home must be a primary residence Whether condominiums or multi-unit homes are eligible Whether mortgage insurance is required Whether the interest rate is fixed or adjustable Whether a minimum down payment or reserve amount applies Whether student loans receive different treatment Whether the program is available in your state A private professional mortgage is not automatically less expensive than conventional or government-backed financing. Compare the complete rate, APR, lender charges, mortgage insurance structure, monthly payment, and cash to close.
Home Loan Programs for Nurses to Compare Most nurses will have several possible mortgage paths. Begin with any clear eligibility advantage—such as military service, rural property location, employer assistance, or income-qualified conventional financing—and compare it with at least one standard alternative.
1. Conventional Loans A conventional mortgage may work well for nurses with eligible income, acceptable credit, manageable debts, and sufficient funds for the transaction.
Conventional options may include:
Standard conforming mortgages Fannie Mae HomeReady® Freddie Mac Home Possible® Fannie Mae’s standard 97% loan-to-value option Freddie Mac HomeOne® Other lender-approved conventional products A nurse does not need a profession-specific product to use salary, hourly wages, eligible overtime, bonuses, or other documented income. The lender must determine that the income is stable, has an acceptable history, and can reasonably be expected to continue.
Nurses considering standard financing can review our guide to conventional loans , including common qualification and mortgage insurance considerations.
HomeReady® HomeReady® is a Fannie Mae mortgage intended for eligible low-income borrowers. It permits a down payment as low as 3% and generally limits qualifying income to 80% of the area median income for the property location. Fannie Mae implemented updated 2026 area median income limits on June 13, 2026.
HomeReady may be worth reviewing when a nurse:
Meets the applicable income limit Needs a low-down-payment conventional option Plans to use eligible gifts, grants, or assistance Is purchasing an eligible primary residence Wants to compare conventional mortgage insurance with FHA costs Home Possible® Home Possible® is Freddie Mac’s mortgage for eligible low- and very-low-income borrowers. It offers a down payment as low as 3%, allows flexible funding sources, and generally limits qualifying income to 80% of the area median income.
Eligible funding sources may include family gifts, employer assistance, secondary financing, and other permitted sources. The current property address should be used to determine the applicable income limit.
Standard 97% and HomeOne® A qualified first-time buyer who exceeds HomeReady or Home Possible income limits may still investigate a standard conventional option with financing up to 97% of the property value.
Fannie Mae’s standard 97% option requires at least one borrower to be a first-time buyer but does not impose an income limit. Freddie Mac’s HomeOne® is also available to qualified first-time buyers with a down payment as low as 3%, regardless of income level or property location.
Program Feature Disclosure: References to a 3% down payment describe general program features, not personalized loan offers. Eligibility, rates, APRs, payments, mortgage insurance, fees, credits, cash to close, and terms depend on the borrower, property, market conditions, underwriting, and lender or investor guidelines.
2. FHA-Insured Loans FHA loans are mortgages made by participating private lenders and insured by the Federal Housing Administration. They are not reserved for nurses or first-time buyers.
HUD states that an eligible FHA purchase mortgage may require a down payment as low as 3.5%. FHA financing also includes mortgage insurance, property standards, county-based loan limits, and lender underwriting requirements.
An FHA loan may be worth considering when a nurse:
Has limited savings for the down payment Needs a more flexible credit review Plans to use eligible gift funds Wants to combine the first mortgage with eligible assistance Is purchasing a qualifying primary residence Wants to compare FHA mortgage insurance with conventional PMI Loan Factory’s guide to FHA loan requirements explains common income, credit, down payment, property, and mortgage insurance considerations.
FHA Program Disclosure: The 3.5% down payment is a general FHA feature and is not an offer or approval. Actual eligibility, rates, APRs, mortgage insurance, payments, fees, and cash to close depend on credit, income, assets, property details, underwriting, and lender guidelines.
3. VA-Backed Home Loans Nurses who are eligible Veterans, active-duty Servicemembers, qualifying National Guard or Reserve members, or eligible surviving spouses should compare the VA home loan benefit before selecting a private professional mortgage.
VA states that an eligible purchase borrower may be able to buy without a down payment when the sales price does not exceed the appraised value. VA-backed loans do not require private mortgage insurance, although a funding fee may apply unless the borrower qualifies for an exemption.
Nursing employment does not create VA eligibility. The borrower must obtain the required Certificate of Eligibility and meet VA and lender requirements for credit, income, occupancy, and property.
Review Loan Factory’s comprehensive VA home loan guide when military eligibility may apply.
4. USDA-Guaranteed Home Loans The USDA Single Family Housing Guaranteed Loan Program may help eligible low- and moderate-income households purchase primary residences in eligible rural areas.
USDA states that qualified applicants may receive 100% financing. Applicants must meet household-income requirements, purchase an eligible rural property, occupy the home as a primary residence, and satisfy lender and USDA guidelines. Household income generally cannot exceed 115% of the applicable median household income.
USDA financing may be relevant for nurses working in:
Rural hospitals Critical-access hospitals Community health centers Regional medical practices Long-term care facilities Smaller towns Eligible suburban or rural communities Working at a rural healthcare facility does not automatically establish eligibility. The property address and total household income must be reviewed.
Loan Factory’s USDA home loan guide explains rural property eligibility, household income, occupancy, and financing considerations.
USDA Program Disclosure: References to 100% financing describe a general program feature for eligible transactions. Closing costs, guarantee fees, prepaid expenses, reserves, and other funds may still be required. Eligibility and terms depend on household income, property location, credit, underwriting, and current USDA guidelines.
5. Employer and Hospital Homebuyer Assistance Hospitals, universities, healthcare systems, government employers, and nonprofit organizations may offer homebuyer or relocation assistance to recruit and retain nursing professionals.
Employer assistance may be structured as:
A grant A direct repayable loan A forgivable loan A deferred-payment loan A secured or unsecured second mortgage Relocation assistance Mortgage differential payments Fannie Mae permits documented employer assistance to be used toward an eligible down payment or closing costs on a principal residence. The lender must verify that the assistance is part of an established employer program and document the amount, terms, and receipt of the funds.
Ask your employer:
Is homebuyer or relocation assistance currently available? Which nursing roles qualify? Is full-time employment required? Must the home be near the hospital or worksite? Is continued employment required? Does the benefit become repayable if employment ends? Can the funds be combined with the selected mortgage? Is a participating lender required? Does the assistance create a second lien? Are there potential tax consequences? Obtain the written agreement before relying on employer funds in a purchase contract.
6. State and Local Down Payment Assistance State housing finance agencies, cities, counties, and nonprofit administrators may offer assistance to eligible homebuyers, including nurses who satisfy income, property, occupancy, and location requirements.
Assistance may be structured as:
A grant A forgivable second mortgage A deferred-payment second mortgage A fully repayable subordinate loan Shared-equity assistance A lender or housing-agency credit Employer-matched assistance USAGov directs buyers to state housing finance agencies for current mortgage-assistance programs and cautions that the federal government does not generally give individuals free money to purchase a home.
Review Loan Factory’s guide to state and local down payment assistance programs before assuming that assistance is a grant.
Funding can change or become unavailable. Confirm:
Current funding status Household income limits Purchase-price limits First-time buyer definition Property location Required homebuyer education Minimum borrower contribution Repayment or forgiveness conditions Occupancy period Participating lender requirements For a broader explanation of grants, forgivable loans, deferred assistance, and other structures, review our complete guide on down payment assistance programs .
7. Good Neighbor Next Door Registered nurses do not qualify for Good Neighbor Next Door solely because they work in healthcare.
HUD limits eligibility to qualifying full-time:
Law enforcement officers Pre-K through grade 12 teachers Firefighters Emergency medical technicians Eligible participants may purchase designated HUD-owned homes in revitalization areas at a 50% discount and must occupy the property as their principal residence for 36 months. Available properties are limited and change regularly.
A nurse who is also employed full time as a qualifying EMT may potentially qualify under the EMT category, but nursing licensure by itself does not create eligibility.
Loan Factory’s Good Neighbor Next Door program guide explains the occupation, property, discount, and occupancy requirements.
Which Nurse Home Loan Program May Fit? Start with the factor that creates the strongest potential eligibility advantage.
Nursing situation
Programs to investigate
Staff RN with stable W-2 income Conventional, FHA, HomeReady®, or Home Possible® First-time RN earning above affordable-program limits Standard 97% conventional or HomeOne® Nurse with employer housing benefits Employer assistance plus an eligible first mortgage Veteran or eligible military nurse VA-backed purchase loan Nurse buying in an eligible rural area USDA-guaranteed loan Nurse with limited down payment savings FHA, conventional low-down-payment options, and DPA Nurse practitioner or CRNA Standard programs plus any verified professional mortgage available Travel nurse with W-2 contracts Program that can document continuing nursing employment and variable income 1099 or self-employed nurse Conventional self-employment review or eligible alternative-documentation options Nurse carrying student loan debt Program comparison based on the documented qualifying payment Nurse who is also an eligible EMT Good Neighbor Next Door may be reviewed under EMT eligibility
This table is a starting point and does not determine eligibility. The program with the smallest down payment may not provide the most suitable monthly payment or long-term cost.
Use the Loan Factory mortgage calculator to estimate how the loan amount, down payment, taxes, insurance, mortgage insurance, and HOA dues could affect the housing payment.
First-Time Home Buyer Loans for Nurses A first-time nurse homebuyer can generally use the same mortgage and assistance programs available to other eligible first-time purchasers.
Possible options include:
HomeReady® Home Possible® Standard 97% conventional financing HomeOne® FHA-insured financing VA-backed financing USDA-guaranteed financing Employer assistance State and local DPA Housing Choice Voucher homeownership, when applicable Some programs define a first-time buyer as someone who has not owned a qualifying residential property during a specified prior period, while others require that the borrower has never owned a home. The exact definition must be confirmed for each mortgage and assistance program.
Loan Factory’s guide to first-time buyer purchase mortgage checklist provides a broader application checklist.
First-Time Nurse Buyer Checklist Before applying:
Review your credit reports. Calculate current monthly debts. Gather paystubs and W-2 forms. Separate base pay from overtime and differential income. Collect student loan statements. Document available savings. Ask about hospital or employer assistance. Search for current local DPA. Estimate taxes, insurance, and HOA dues. Avoid new debt before closing. Obtain a documented mortgage preapproval. Maintain an emergency reserve after the purchase. How Nursing Income Is Evaluated for a Mortgage Nursing income can include base salary, hourly wages, overtime, shift differentials, bonuses, on-call pay, per-diem work, travel contracts, and earnings from more than one employer.
The lender must verify the income and determine that it is stable, has an acceptable history, and can reasonably be expected to continue.
Base Salary and Hourly Income A nurse with a fixed salary or guaranteed hourly schedule may have a more straightforward income calculation than a nurse whose hours vary each pay period.
The lender may review:
Current pay rate Guaranteed hours Full-time, part-time, or per-diem status Employment start date Year-to-date earnings Recent paystubs W-2 forms Verification of employment A recent increase in hourly pay may be documented, but the lender still must determine which amount is eligible under the selected mortgage guidelines.
Overtime, Bonuses, and Shift Differentials Overtime, bonuses, and other variable employment earnings may be used when the lender can document an acceptable history and evaluate the income trend.
Fannie Mae recommends a two-year history for bonus, commission, overtime, and similar variable income. Income received for at least 12 months may sometimes be considered when positive factors reasonably support the shorter history. The lender generally compares current year-to-date income with prior earnings and evaluates whether it is stable, increasing, or declining.
Nurses may need:
Recent paystubs Two years of W-2 forms Verification of employment Year-to-date overtime totals Shift-differential records Bonus documentation Explanations for major increases or decreases Do not calculate your maximum purchase price using every available overtime shift before the lender determines the eligible qualifying amount.
Multiple Nursing Jobs Income from more than one nursing job may potentially be included when each source meets the applicable history, documentation, and continuance requirements.
Prepare separate records for each employer:
Paystubs W-2 forms Employment dates Job title Work schedule Year-to-date income Verification contact Explanation of overlapping or changing shifts A second job that began recently may not receive the same treatment as a long-established source of income.
Travel Nurse Income Travel nurses can qualify for a mortgage, but contracts, agency changes, assignment gaps, stipends, and changing compensation may require more documentation.
The lender may evaluate:
W-2 or 1099 classification History in the nursing profession Length of travel-nurse employment Current and previous contracts Gaps between assignments Taxable base wages Bonuses and completion payments Housing, meal, travel, or per-diem payments Whether current income is likely to continue Whether the purchased property will be the primary residence Travel nurses should preserve:
Complete agency contracts Pay summaries Paystubs W-2 or 1099 forms Tax returns when required Bank statements Assignment histories Letters explaining normal gaps Evidence of upcoming assignments when available A reimbursement or allowance is not automatically qualifying income. The lender must evaluate how it is documented, whether it is recurring, and how the selected program treats it.
New Graduate Nurses and Future Employment A newly licensed nurse who has accepted a hospital position may be able to qualify using an eligible future employment offer or contract under certain mortgage guidelines.
Current Fannie Mae rules allow qualifying with a future employment offer for some principal-residence purchase transactions. The lender must review the executed offer, position, pay rate, start date, employment conditions, and applicable reserve requirements.
The offer should clearly identify:
The employer The borrower The nursing position Employment status Fixed base pay Start date Any contingencies Variable overtime or future bonuses generally should not be assumed merely because they may become available after employment begins.
Complete a documented mortgage preapproval before making an offer based on future nursing income.
1099 and Self-Employed Nurses A nurse paid as an independent contractor may be evaluated as self-employed rather than as a traditional W-2 employee.
This can apply to:
Independent travel nurses Private-duty nurses Nurse consultants Nurse educators Legal nurse consultants Owners of home-health or staffing businesses Nurses providing contract clinical services Possible documents include:
Personal tax returns Business tax returns 1099 forms Year-to-date profit-and-loss statement Business bank statements Contracts Business registration Ownership records Evidence that the business remains active Gross deposits are not automatically the same as qualifying income. Business expenses, ownership percentage, tax deductions, current earnings, and liquidity may affect the calculation.
How Student Loans Affect Nurse Mortgage Qualification Student loan debt does not automatically prevent a nurse from buying a home. The lender includes an eligible monthly payment in the debt-to-income calculation based on the selected mortgage guidelines and available documentation.
Under current Fannie Mae guidance:
A payment reported on the credit report may generally be used. A documented payment on the current student loan statement may be used when the credit report is incorrect. A verified $0 income-driven payment may be eligible as $0. A deferred or forbearance loan may require a payment based on 1% of the balance or a fully amortizing calculation. Prepare:
Current student loan statements Outstanding balances Required monthly payments Income-driven repayment documentation Deferment or forbearance records Employer-payment documentation Evidence when another party makes the payments Different mortgage programs may calculate the same student loan differently. Ask the Loan Officer to compare the effect under each available option.
Review how to calculate debt-to-income ratio for a mortgage before setting a home-price target.
Documents Nurses May Need Preparing documents early can make it easier to identify which income sources and assistance programs may be used.
Employment and Income Documents Recent paystubs W-2 forms Verification of employment Employment offer or contract Overtime earnings history Shift differential documentation Bonus records Travel contracts 1099 forms Tax returns when required Business records for self-employed nurses Professional and Employer Documents Nursing license when requested Professional designation Employer assistance agreement Relocation benefit letter Hospital homebuyer program approval Evidence of full-time or part-time status Job description when needed Asset and Assistance Documents Bank statements Investment and retirement statements Gift-fund records Down payment assistance approval Evidence of earnest money Transfer documentation Records supporting large deposits Employer grant or second-loan agreement Debt and Credit Documents Student loan statements Auto loan records Credit card obligations Personal loan statements Support-payment documentation Explanations for recent credit events Property Documents Purchase agreement Property address Homeowners insurance information HOA or condominium documents Assistance-program property forms Appraisal and title records obtained during the process Loan Factory’s documents needed for first-time homebuyers provides a broader application checklist.
How to Compare Nurse Home Loan Programs A program marketed to nurses should be compared with standard financing using the same borrower, property, loan amount, down payment, and lock assumptions.
1. Confirm Nurse Eligibility Ask whether the program includes:
Registered nurses Licensed practical or vocational nurses Nurse practitioners Certified registered nurse anesthetists Certified nurse midwives Clinical nurse specialists Travel nurses Per-diem nurses New graduates 1099 nurses Do not assume that “healthcare professional” includes every nursing credential.
2. Identify the Benefit Determine whether the program provides:
A first mortgage Lower down payment Different mortgage insurance A grant A lender credit A forgivable loan A deferred loan Employer assistance Real estate or closing-service discounts A marketing benefit is not necessarily a mortgage benefit.
3. Review the Complete Loan Structure Compare:
Interest rate APR Points Lender credits Origination charges Mortgage insurance Loan term Fixed or adjustable rate Monthly housing expense Cash to close Required reserves Prepayment provisions When comparing programs, understand the difference between cash to close vs. closing costs , since the amount needed at closing includes more than lender charges alone.
4. Understand Assistance Repayment Ask whether assistance becomes payable after:
Selling Refinancing Moving Renting the home Leaving the employer Leaving the nursing profession Failing to satisfy an occupancy period 5. Preserve Emergency Savings Nurses may face licensing costs, relocation, schedule changes, temporary leave, childcare expenses, or gaps between travel assignments. Avoid using all available savings solely to close.
6. Compare Loan Estimates Use Loan Estimates based on the same transaction assumptions. Compare the rate, APR, lender charges, points, credits, mortgage insurance, projected payment, cash to close, and five-year cost.
You can compare mortgage options using your nursing income, student loans, available savings, property, and purchase goals.
Common Mistakes Nurses Should Avoid Assuming a Nurse Program Guarantees Approval Professional eligibility is only one part of the mortgage review. Credit, income, debts, assets, property, occupancy, and underwriting still apply.
Assuming Every RN Qualifies for a Professional Mortgage Some private programs are limited to advanced-practice roles or specific licenses. Obtain the eligible-profession list before applying.
Counting All Overtime as Qualifying Income Recent overtime does not automatically establish a stable earnings history. Have the lender calculate eligible income before selecting a home price.
Ignoring Student Loan Calculations A $0 payment shown on a credit report may require additional documentation. Different programs can produce different qualifying payments.
Treating Assistance as Free Money A benefit described as assistance may be a deferred or forgivable second mortgage with repayment conditions.
Changing Jobs During the Mortgage Process A new hospital, agency, employment classification, schedule, or compensation structure can change the income analysis. Discuss changes before accepting a new role or reducing hours.
Making Unexplained Deposits A large transfer or cash deposit may require source-of-funds documentation. Keep a clear paper trail.
Assuming Preapproval Is Final Approval Preapproval does not guarantee closing. Final approval depends on updated borrower records, property review, appraisal, title, insurance, and underwriting.
Review the Loan Factory loan process to understand the general stages from application and document collection through underwriting and closing.
How Loan Factory Helps Nurses Loan Factory is a technology-powered mortgage platform helping borrowers compare mortgage options through a broad wholesale lender network.
A licensed Loan Officer can help nurses:
Compare conventional, FHA, VA, USDA, and other available programs Review any verified professional mortgage options Separate base income from overtime, bonuses, and shift differentials Evaluate staff-nurse, travel-nurse, per-diem, and contract income Review student loan documentation Evaluate employer or hospital assistance Identify state and local DPA opportunities Compare rate, APR, points, lender credits, mortgage insurance, payment, and cash to close Prepare documents before making an offer TERA supports online mortgage applications, secure document uploads, e-signing, document organization, communication, and loan-status tracking. These tools can support the process but do not guarantee approval, closing, or funding.
Learn more about why borrowers choose Loan Factory when comparing mortgage options, technology, and support.
Finding the Right Nurse Home Loan Program Nurse home loan programs are not limited to one special mortgage. Registered nurses may qualify through conventional, FHA, VA, USDA, employer-supported, or down payment assistance options, depending on their complete financial and property profile.
The strongest option may not carry a nurse-specific name. Compare the full mortgage structure, verify how nursing income and student loans will be calculated, and read all repayment or employment conditions attached to assistance.
When you are ready, apply for a mortgage online or call or text (660) 333-3333 to discuss your nursing income, student loans, available savings, and home-purchase plans with a Loan Factory mortgage professional.
Experience Note The income, documentation, student loan, employer-assistance, travel-nurse, and program-comparison frameworks in this article are educational illustrations based on common mortgage considerations for registered nurses, advanced-practice nurses, staff nurses, per-diem nurses, contract nurses, and travel nurses.
They do not represent a specific Loan Factory borrower, income calculation, preapproval, quote, approval, closing, or funded transaction.
Sources About the Author Loan Factory Mortgage Education Team
Loan Factory is a technology-powered mortgage platform helping borrowers compare mortgage options through a broad wholesale lender network.
The Loan Factory Mortgage Education Team helps nurses understand mortgage programs, nursing-income documentation, student loan calculations, employer benefits, down payment assistance, and the home-purchase process.
Disclaimer This content is for educational and informational purposes only and is not financial, tax, legal, credit, accounting, employment, real estate, insurance, investment, or housing-counseling advice. It is not a commitment to lend or a guarantee of preapproval, approval, professional-program eligibility, rates, APRs, payments, savings, assistance, loan amount, property value, closing, or funding.
Mortgage programs, employer benefits, professional loan products, assistance funding, rates, fees, credits, income calculations, student loan treatment, documentation, loan limits, property requirements, and eligibility may change and vary by borrower, employer, agency, lender, property, occupancy, loan purpose, location, underwriting, and investor guidelines.
Loan Factory is a private mortgage company and is not affiliated with or acting on behalf of HUD, FHA, VA, USDA, Fannie Mae, Freddie Mac, FHFA, CFPB, a state housing agency, hospital system, nursing organization, or another government or professional entity.
Frequently Asked Questions 
