Product Summaries
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Conforming Loans
A wide variety of conventional financing options on fixed and adjustable rate programs, with full and interest-only options, will accommodate your clients wishing to purchase or refinance a home.
- Conforming Fixed
- Conforming LIBOR ARM
- DU Refi Plus Overlay
- FNMA County Loan Limits (2010)
- FNMA Flex
- FNMA High Balance Overlay
- FMNA High Cost Area Loan Limits (2010)
- FNMA My Community
- New York CEMA Refinance Overlay
- Texas Conventional Owner-Occupied Refinance Overlay
Government Programs
Whether it’s a purchase or refi loan, HSOA offers government programs to fit your clients’ needs. Fixed rate or ARM; $100 down, FNMA Flex or high balance products – we offer them all, plus more.
USDA Rural Housing (product currently unavailable until further notice)
The Rural Housing program provides homebuyer benefits for qualified low-income applicants that are not available through other sources. Please see your Account Executive for details on how to place your borrowers into these programs.
- USDA Rural Housing

