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Residential & Conforming Loan Programs

Your path to smarter homeownership starts here.

At Scout Lending, we specialize in helping homebuyers and investors secure the right loan for the right moment. Our Residential & Conforming Loan Programs are designed to empower you, whether you’re buying your first home, upgrading your lifestyle, relocating, or expanding your portfolio. Backed by trusted institutions and tailored to your financial goals, these loans are reliable, accessible, and built for long-term success.

Explore our most popular loan solutions below and find out how you can take the next step with confidence.

Conventional Loans (Conforming)

The gold standard in mortgage financing is flexible, affordable, and investment-ready.

A Conventional Loan is the go-to choice for buyers who want control, customization, and competitive pricing. These loans conform to the guidelines set by Fannie Mae and Freddie Mac, offering predictable payments and wide approval for a variety of property types, from your primary residence to your next vacation rental.

Why Our Clients Love It:

  • As little as 3% down for qualified buyers
  • Use it for single-family homes, condos, duplexes, and even 4-unit properties
  • Perfect for refinances and cash-out opportunities
  • No PMI once you reach 20% equity, saving you real money over time
  • Investment property financing made simple

Who It’s Best For:

  • Buyers with good credit and stable income: If you’ve maintained a solid credit score and can show consistent income, a conventional loan rewards your financial responsibility with lower rates, fewer restrictions, and the potential to eliminate PMI once you reach 20% equity.
  • Homeowners looking to refinance into a better rate or term: Whether you want to reduce your monthly payment, switch from an adjustable-rate to a fixed-rate loan, or shorten your term, a conventional refinance can help you save on interest and reach your goals faster.
  • Investors purchasing rental properties or second homes: Conventional loans allow for the purchase of up to 4-unit properties, making them a flexible and accessible choice for real estate investors looking to expand their portfolio with minimal hassle.
  • Borrowers ready to build long-term wealth through real estate: If you're focused on building equity, maximizing your investment, and gaining control over your mortgage strategy, this loan puts you on a stable path toward financial growth.

We structure conventional loans to reduce your total cost, maximize approval potential, and position you for long-term equity growth. Whether you’re buying now or planning ahead, we’ve got your back every step of the way.

VA Loans

Zero down. Zero PMI. 100% honor.

If you’ve served our country, a VA Loan is one of the best ways to own a home with zero down payment, no private mortgage insurance, and some of the best rates in the industry. Backed by the Department of Veterans Affairs, this benefit is a true thank-you, and we’re honored to help you claim it.

Why Our Clients Love It:

  • US 0% down for eligible veterans, active-duty, and surviving spouses
  • No PMI, keeping monthly payments low
  • Use for purchases, cash-out refinances, or rate reductions
  • Includes One-Time Close Construction loans for building your dream home
  • Reusable benefit: you can use it more than once

Who It’s Best For:

  • Military families and veterans looking to buy, refinance, or build: If you've served our country, this loan gives you access to some of the most borrower-friendly terms available, with no down payment, no PMI, and the ability to build or buy with confidence.
  • Service members transitioning into civilian life: The VA loan supports military members through life transitions by offering low-cost, stable financing with fewer out-of-pocket expenses, perfect for those adjusting to a new career and lifestyle.
  • Borrowers who want powerful savings with no hidden fees: With highly competitive rates and zero monthly mortgage insurance, VA loans offer unmatched affordability and transparency, helping borrowers maximize their monthly cash flow.
We’ve walked countless heroes through the VA loan process. From eligibility to paperwork to closing, we’ll make sure this benefit works hard for you, just like you’ve worked for all of us.

FHA Loans

Big dreams. Small down payment. Built-in flexibility for real-life buyers.

An FHA Loan is the solution for those who might be just starting out or starting over. Backed by the Federal Housing Administration, it offers a soft landing for buyers who need a low down payment, flexible credit requirements, and realistic entry points into the housing market.

Why Our Clients Love It:

  • Just 3.5% down opens the door to homeownership
  • Accepts credit scores as low as 580
  • Allows gift funds and assistance programs for a down payment
  • Use for purchase, refinance, or renovation
  • We work with first-time buyers and second-chance homeowners

Who It’s Best For:

  • First-time buyers who are building credit or savings: If you're early in your financial journey and haven’t yet saved for a large down payment, FHA loans let you move forward with just 3.5% down and more forgiving credit guidelines.
  • Individuals recovering from past financial challenges: FHA loans provide a fresh start for those who have experienced credit issues, bankruptcy, or foreclosure. If you’re back on your feet, this program can help you re-enter the housing market sooner.
  • Families needing a low-barrier path to stable homeownership: Whether you're growing your family or seeking housing stability, FHA loans give you access to financing with manageable qualification requirements and support for down payment assistance.
We break down the FHA process so it’s not overwhelming. From pre-approval to closing, we make sure you understand your options and get the most out of every dollar you invest.

USDA Loans

Zero down. Low rates. Your key to peaceful, affordable living.

USDA Loans, backed by the U.S. Department of Agriculture, are perfect for homebuyers seeking to own in peaceful, growing rural or suburban communities. With zero down payment, low insurance costs, and competitive fixed rates, this is one of the most underrated mortgage options available.

Why Our Clients Love It:

  • 100% financing no down payment needed
  • Low mortgage insurance keeps payments manageable
  • Perfect for homes in eligible rural and suburban locations
  • Designed for moderate-income buyers and families

Who It’s Best For:

  • Buyers who want to own a home in a quiet, affordable area: If you're looking for peace, space, and affordability, USDA loans are ideal for purchasing in rural and some suburban communities with zero down and full ownership from day one.
  • Families looking to settle in growing communities: For families planning long-term, USDA loans offer a way to buy in emerging neighborhoods with access to good schools, open space, and strong community connections, all without the big-city price tag.
  • Homebuyers with steady income but limited cash on hand: If your income falls within the USDA limits and you’re short on savings, this program gives you a powerful path to homeownership with no down payment and reduced mortgage insurance.
Many buyers don’t even realize they qualify for a USDA loan. Let us check your eligibility, run the numbers, and show you how to buy a home with zero down and zero stress.
CONTACT US

Let’s Make Your Homeownership Goals Happen

Whether you’re ready to start your loan application, have questions about your options, or just want to talk through your financial goals, we’re here for you. Reach out to our team for personalized support and expert guidance every step of the way.

NMLS #2187418. Go here for the Scout Lending NMLS consumer access page.

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