Home Loan Programs

We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.

Below are some of the most commonly utilized loan programs we offer...

Refinancing Options***

Security First Financial is here to answer any mortgage questions you might have.


We can help you understand more about:

  • Home loan programs

  • Current mortgage rates

  • The home loan process

  • What you'll need for your application

  • What to expect after you complete your application

* Closing costs and fees may still apply.

**First lien interest rates may be higher when using a DPA second.

*** When it comes it comes to refinancing your home loan, you can generally reduce your monthly payment; however, total finance charges may be higher over the life of your mortgage loan.

Down Payment Assistance**

State and/or local programs designed to help home buyers pay for down payments and/or closing costs.

  • Grants and second mortgages available

  • State, county and city options

  • Minimum down payment varies by program

Jumbo Loans

Finances home purchases up to $2 million with options for low down payment and no mortgage insurance.

  • Low down payment options

  • Options for first-time home buyers

  • Qualify with a credit score as low as 660

Rural Housing (USDA) Loans

Designed for homebuyers wishing to purchase a home outside of densely populated areas.

  • No down payment required*

  • Not limited to first-time buyers

  • Qualify with a credit score as low as 620

Renovation Loans

Whether you already own a home or you’re in the market to buy one, a renovation loan can give you options.

  • Flexible minimum down payment options

  • Qualify with a credit score as low as 620 

  • One loan to purchase home and renovate

Reverse Mortgages

A reverse mortgage, also called a Home Equity Conversion Mortgage (HECM), allows you to use the equity of your home as cash.

  • Borrower must be at least 62 years of age

  • Typically tax-free funds

  • No required monthly mortgage payment


There are many types of home refinancing options, all designed to help you meet your financial goals faster.

  • Pay down or consolidate debt

  • Reduce monthly payment or interest rate

  • Get rid of private mortgage insurance (PMI)

FHA Streamline Refinance

Refinance your FHA-insured mortgage without the hassle of endless paperwork or an appraisal.

  • Lower your interest rate

  • Lower your monthly payment, and

  • Skip the appraisal

VA IRRRL Refinance

With our IRRRL program, you can refinance your VA Loan to lower your interest rate and save on your monthly payments.

  • Save thousands over the life of the loan

  • Reduce monthly payment or interest rate

  • Does not require an appraisal

Conventional Loans

As one of the most popular mortgages, the conventional loan has a wide variety of options to fit your specific needs.

  • Low interest rates and fees

  • Flexible minimum down payment options

  • Availability for purchase or refinance

FHA Loans

With features like homeownership workshops and available down payment assistance, FHA loans are perfect for:

  • First-time homebuyers

  • Low-to-moderate income families

  • Buyers looking for a low down payment

VA Loans

VA loans offer flexible, sustainable terms for military personnel, veterans, and military families. 

  • No down payment required*

  • Government-backed, so no PMI required

  • Competitive rates & easy pre-qualification