Find the Right Loan for Your New Hartland Home
At Hartland Home Loans, Inc, we offer a wide range of financing solutions to meet the needs of every buyer. Whether you’re purchasing your first home, moving up, downsizing, or investing, we’ll help you find the right loan — with no lender fees and guidance every step of the way.
FHA Loans
Low Down Payment. Easier Qualification.
Perfect for first-time buyers or anyone with less-than-perfect credit, FHA loans offer flexible guidelines and down payments as low as 3.5%.
Good for:
First-time buyers
Low-to-moderate income households
Limited credit history
VA Loans
For Our Veterans and Active-Duty Military
VA loans offer zero down payment, no mortgage insurance, and highly competitive rates for eligible service members and veterans.
Good for:
Veterans
Active-duty military
Surviving spouses of veterans
USDA Loans
Rural Living with No Down Payment
Designed for eligible rural and suburban areas, USDA loans offer 100% financing and reduced mortgage insurance costs.
Good for:
Buyers in qualifying rural areas
Moderate income households
Those looking for no down payment options
Conventional Loans
Flexible Terms. Great Rates.
Conventional loans are ideal for borrowers with good credit and stable income. These loans often come with competitive interest rates and flexible term options.
Good for:
Buyers with strong credit
Higher loan amounts
Primary, second homes, or investment properties
Renovation Loans (FHA 203k & Conventional)
Buy It and Fix It — All in One Loan
If you’re purchasing a home that needs repairs or upgrades, renovation loans let you finance the home and the renovation costs together.
Good for:
Homes needing repairs or updates
Buyers wanting to personalize their space
FHA 203k (Limited and Full) or Conventional renovation options
Jumbo Loans
For High-Value Homes
Jumbo loans allow for higher loan amounts than conventional limits and are ideal for financing luxury or high-cost homes.
Good for:
High-income buyers
Homes exceeding standard loan limits
Primary or vacation homes
Bank Statement & Self-Employed Loans
No W-2? No Problem.
For self-employed borrowers, business owners, or those with non-traditional income, we offer loan programs based on bank statements rather than tax returns.
Good for:
Entrepreneurs and small business owners
Freelancers, gig workers, and contractors
Buyers with seasonal income
No FICO & Low Credit Score Options
Credit Challenges? We Can Help.
We offer programs for buyers with limited or low credit scores. Don’t let past challenges stop you from buying a home.
Good for:
Buyers with credit scores under 620
No traditional credit history
Rebuilding after financial hardship
Need Help Choosing?
We’ll guide you through your options and match you with the best loan for your unique situation. Contact Melissa Coleman today for a free consultation and fast pre-qualification.