Our Loans

Loans We Offer

JustChoice Lending offers a variety of mortgage loans that fit people from every walk of life. Follow the links below for in-depth information. We also developed a chart located at the bottom of this page to allow you to quickly compare the types of loans available. As always, feel free to contact us at JustChoice Lending with any questions.

USDA Guaranteed and 502 Direct Loan Products from JustChoice LendingUSDA Loans

USDA loans are for homes in rural areas made available to people of various income levels. Guaranteed loans are great for moderate income levels and 502 Direct is great for people with good credit but low income.

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FHA and VA loan products from JustChoice LendingFHA/VA Loans

FHA Loans are great for people with less-than-perfect credit and can require little down payment. VA loans require little to no down payment and are perfect for veterans and their families.

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Conventional and Refinance Loans from JustChoice LendingConventional & Refinance

Conventional loans have no income restrictions and great rates. Already own a home but need a better rate or term? Refinancing with JCL can make that possible.

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Loan Comparisons

LOAN PROGRAMCREDIT SCOREINCOME LIMITSPROPERTY ELIGIBILITY
USDA Guaranteed620+ for all borrowers. True no score w/ three alternative credit trade lines.Family Size: 1-4 $75,650 5-8 $99,850http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
FHA620+ for all borrowers.NoneAll areas eligible.
VA620+ for all borrowers. True no score w/ three alternative credit trade lines.NoneAll areas eligible.
Conventional640+NoneAll areas eligible.
Conventional No MI (KY Only) KHC680+$97,650KY Properties
USDA Direct640+ for all borrowers. True no score w/ three alternative credit trade lines.80% AMI for household sizehttp://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Home Possible Advantage620+100% area median income (Unless in an underserved area)All areas eligible.

Other conditions may apply. Call JCL Staff for information on specialized funds.