Serving the Following Locations

Ideal Mortgage

At Ideal Mortgage, Inc., we're not just about transactions; we're about transformation. Efficiency meets excellence here, where we've crafted a lending platform that's as dynamic as the market itself. Our commitment to industry-leading interest rates is not just a claim—it's our standard. We take pride in delivering an elite client service experience, powered by cutting-edge technology, a stellar customer service team, and a comprehensive suite of investor products.

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Conventional Loans

Conventional Loans

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Conventional Loans

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

Conventional Loans

VA Loans

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

Conventional Loans

USDA Loans

Finding the right loan can seem overwhelming. If you’re still looking for the right program to suit your needs, we have a variety of home loan options. USDA loans, for example, are great for people that live in low-population areas who typically cannot qualify for a conventional loan. Get in touch with us to see if this is the right loan choice for you.

Conventional Loans

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

Conventional Loans

Construction Loans

Always dreamed of building a custom-tailored home?
A construction loan could help to make that a reality.
Learn what construction loans are and how they work.

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