Your journey to homeownership is unique, and we're here to simplify the process.

The Rayner Home Group offers a tailored selection of financing options to suit your unique needs. Whether you're a first-time buyer, a veteran, or embarking on a new construction or renovation project, our diverse loan programs provide flexibility and affordability.

Your journey to homeownership is unique, and we're here to simplify the process. Trust The Rayner Home Group to guide you through our personalized loan programs, making your path to your dream home a rewarding experience. Let's get started together.

Conventional Loans

Conventional loans are standard mortgage products that are not insured or guaranteed by government agencies. They often require a higher credit score and a down payment, offering competitive interest rates. These loans are suitable for borrowers with solid financial profiles.

USDA Loans

USDA loans are designed for homebuyers in rural and suburban areas. With low to zero down payment options, these loans are ideal for those who meet specific income and location eligibility criteria, providing affordable homeownership opportunities.

FHA Loans

FHA loans are government-insured mortgages that cater to homebuyers with lower credit scores and smaller down payments. Popular among first-time buyers, FHA loans offer more accessible financing options and may feature competitive interest rates.

VA Loans

Exclusively available to eligible veterans, active-duty service members, and their spouses, VA loans offer favorable terms such as zero down payment and competitive interest rates. These loans aim to support those who have served in the military.

Jumbo Loans

Jumbo loans are tailored for high-value homes that exceed the conventional loan limits. Typically requiring higher credit scores and down payments, jumbo loans provide financing options for luxury real estate purchases.

New Construction Loans

New construction loans are designed for individuals building a new home. These loans often feature interest-only payments during the construction phase and can be converted into permanent mortgages once the construction is complete.

Home renovation loans, such as FHA 203(k) or Fannie Mae Homestyle, allow borrowers to finance both the purchase of a home and the cost of renovations. This provides an option for homebuyers to customize and improve their property from the start.