Home loans
Get clear options, a rock-solid pre-approval, and a plan that fits your life—
whether you’re buying your first home, moving up, investing, or refinancing.
Introduction
Welcome to our Loan Programs page, where you can explore a variety of mortgage options designed to fit your unique financial situation and homeownership goals. Whether you're a first-time buyer, a veteran, an investor, or looking to refinance, I offer personalized guidance on loans backed by government programs or conventional lenders. As your dedicated loan officer, I'll help you navigate these options to find the best fit. Rates and terms can vary, so contact me for a custom quote today.
Conventional Loans
Conventional loans are non-government mortgages offered through private lenders like Fannie Mae or Freddie Mac. They're suitable for borrowers with strong credit and stable finances, providing flexibility without some government restrictions.
VA Loans
Veterans Affairs (VA) loans are available to eligible military service members, veterans, and surviving spouses. These government-guaranteed loans offer exceptional benefits to honor those who've served.
FHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages ideal for buyers with lower credit scores or limited down payment funds. They make homeownership more accessible by offering flexible underwriting.
USDA Loans
United States Department of Agriculture (USDA) loans, also known as Rural Development loans, are designed for low- to moderate-income buyers in eligible rural or suburban areas. They promote homeownership in less urbanized communities.
Jumbo Loans
For high-value properties exceeding conforming limits ($806,500 in most areas for 2025).
Refinance
Switch to a better loan: Rate-and-term (lower rate/term), cash-out (access equity), or streamline (for FHA/VA/USDA).
Gregory Skelton
NMLS#2587945
(513) 317-0092
gskelton@3rdstreetfinancial.com
6964 Tylersville Rd. Suite B
West Chester, OH 45069
©2025 3rd Street Financial Corporation. NMLS ID # 304138 (www.nmlsconsumeraccess.org). All rights reserved. Equal Housing Opportunity. Rates, fees and program guidelines are subject to change without notice. Not all applicants will qualify. Subject to underwriting approval, including income verification, credit verification and satisfactory appraisal. 3rd Street Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the Federal government.