Government
Programs

We offer mortgage loans that are guaranteed or insured by the US federal government.
If you’re hoping to apply for a refinance or mortgage, you may qualify for a govt. loan. Here are three of the government mortgage loans that we offer.

VA (Veteran Affairs) Loan
-You may be exempt from a down payment for some VA loans.
-You can make up to 100% closing and down payment costs from gift funds.
-You won’t have to pay fees for origination, processing, or underwriting.
-It requires a one-time, upfront payment which is called a funding fee. We’ll collect it when you close the deal.

FHA (Federal Housing Authority) Loan
-You can pay the closing costs and down payment through gift funds.
-They’re easier to qualify as compared to other conventional mortgage loans.
-You can easily finance up-front Mortgage Insurance Premium

USDA (US Department of Agriculture) Loans
-These loans are for rural housing
-There’s no down payment
-Repeat or first-time buyers
-You’ll have to present property location and your proof of income
-You’ll have to pay an annual or upfront Guarantee Fee for the loan’s tenure.
Are you ready to own your dream home?
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Area Lending LLC’s digital lending solutions have streamlined the mortgage process by offering clients a short, quick, and painless process that promises instant closing and speedy acquisition of property so that you can shift in your new home within days of closing the deal.

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Area Lending , LLC . – All rights reserved. NMLS #2079475

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Licensed by PA Dept of Banking and Securities
License by Florida Office of Financial Regulation

Not available in all states None of the materials included on this website or any marketing were provided or approved by the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA)

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Address:
111 Buck Road, Unit 500, Suite 1, Huntingdon Valley, PA 19006
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