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Products
JEFFERSON STATE MORTGAGE offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional Loans
FHA Loans
VA Loans
USDA Guaranteed Loan

Conventional Loans

A conventional home loan is one that is not insured by any government agency.  These loans can be fixed rate mortgages, adjustable rate mortgages, balloon mortgages, or hybrid loans.


FHA Loans

An FHA loan is a mortgage loan that's insured by the Federal Housing Administration (FHA). These loans are designed for low to moderate income borrowers who are unable to make a large down payment.


VA Loans

A mortgage loan program established by the United States Department of Veterans Affairs. VA loans offer up to 100% financing for Veterans.


USDA Guaranteed Loan

A USDA Guaranteed loan is a Government insured 100% financing purchase loan. These loans are available for properties located in rural areas.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.