Every homebuyer is different. Explore our most popular mortgage programs and see which financing options may fit your goals.
Options may be available with as little as 0%–3.5% down for qualified borrowers, depending on the program.
Financing options for first-time buyers, repeat buyers, veterans, rural properties and more.
We'll help you compare available programs and understand which options may fit your goals.
Different goals call for different financing. Start by exploring some of the mortgage programs available through 1st Alliance Mortgage.
A versatile mortgage option for primary residences, second homes and investment properties.
Government-backed financing offering flexible down payment and qualification options for eligible borrowers.
VA-backed financing offers valuable benefits for eligible veterans, service members and qualifying surviving spouses.
USDA financing may provide a no-down-payment option for eligible borrowers purchasing homes in qualifying areas.
Mortgage solutions for qualified borrowers purchasing homes above applicable conforming loan limits.
Explore refinancing options based on your existing mortgage, home equity and financial goals.
You don't need to know which mortgage program to choose before you apply. Start with what you're trying to accomplish.
Explore financing options that may help make homeownership more accessible.
Learn about VA financing available to eligible veterans and service members.
See whether your home and location may qualify for USDA financing.
Explore jumbo financing for loan amounts above conforming limits.
Here's a quick look at some of the key differences between common mortgage programs.
| Program | Down Payment | Mortgage Insurance | Common Use | Special Eligibility |
|---|---|---|---|---|
| Conventional | Options may start around 3% | May apply below 20% equity | Primary, second & investment | Standard program guidelines |
| FHA | May start at 3.5% | FHA mortgage insurance applies | Primary residence | FHA requirements apply |
| VA | 0% may be available | No monthly PMI | Primary residence | VA eligibility required |
| USDA | 0% may be available | USDA fees apply | Eligible primary residence | Income & property requirements |
Loan availability, terms, eligibility requirements and program guidelines vary. This information is for general educational purposes and is not a commitment to lend. Contact 1st Alliance Mortgage for information specific to your situation.
Our team can help you compare mortgage options based on your goals, property and financial situation—then explain the differences in plain English.
The right program depends on factors such as your down payment, credit profile, property type, occupancy and financial goals. Our team can help you compare the programs that may be available for your situation.
No. Several mortgage programs offer down payment options well below 20%, and certain eligible borrowers may qualify for programs with no down payment.
Yes. Some borrowers may meet the requirements for multiple loan programs. Comparing those options can help you understand differences in down payment, monthly payment and overall financing.
First-time buyers may have access to Conventional, FHA, VA or USDA financing depending on eligibility, along with certain down payment assistance options.
Yes. Self-employed borrowers can qualify for many traditional mortgage programs, although income documentation and analysis may differ from borrowers receiving W-2 wages.
Tell us a little about your goals, and our local mortgage team can help you explore the financing options available to you.
4438 State Hwy 6 S, Suite 201
College Station, Texas 77845
Phone: (979) 694-1000
Fax: (713) 626-5715
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1st Alliance Mortgage LLC - NMLS 1407 | 4438 State Highway 6 S, Ste. 201, College Station, TX 77845
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov